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Start being intentional with your money and take full control of your personal finances with this Smart Budget Planner for Google Sheets & Excel. 👉 Get the Planner here: https://www.etsy.com/in-en/listing/44... This is not a basic budgeting spreadsheet. It’s a complete personal finance system designed to track, analyze, and guide your financial decisions automatically. All you need to do is enter your transactions. Everything else — budgets, dashboards, savings, debt tracking, net worth, bills, and recommendations — is calculated for you. ✨ WHY THIS BUDGET PLANNER IS DIFFERENT Most budget spreadsheets only show numbers. This planner understands your financial behavior and helps you improve it. It includes: • Smart financial recommendations • Financial health & confidence score • Automatic monthly budget creation • Debt pressure & savings insights • Clean, visual dashboards • Daily, weekly & monthly guidance It doesn’t just track your money — it guides you toward better decisions. 💸 TRANSACTIONS MADE SIMPLE Just enter: • Date • Category • Amount • Description That’s it. Everything else is auto-filled and synced across: • Monthly Budget • Savings Goals • Debt Tracking • Income & Investments • Dashboards & Charts One transaction sheet powers the entire system. 📅 AUTOMATED MONTHLY BUDGET • Monthly budgets created automatically • Category-wise budget vs actual comparison • Works for multiple months • No manual duplication required 🎯 SAVINGS, DEBTS & BILLS • Create multiple savings goals • Track progress automatically • Debt payoff timeline & horizon • Bills calendar for upcoming payments • Estimated debt-free date 📊 ADVANCED DASHBOARD & VISUALS • Personal finance dashboard • Cash flow summary • Category-wise charts • Budget allocation vs actual spending • Financial health meter 🧠 SMART RECOMMENDATIONS This is where the planner truly stands out. • Personalized financial advice • Alerts when spending increases • Savings improvement suggestions • Compliments for good habits • Confidence score showing financial health You always know what’s going right and what to fix. 📦 WHAT’S INCLUDED • Smart Budget Dashboard • Transactions Tracker • Monthly Budget Sheet • Savings Goals Tracker • Debt & Bills Manager • Income, Investment & Net Worth Tracking • Automated Recommendation Engine • Sample data for easy understanding 🛠️ HOW IT WORKS 1️⃣ Purchase (Instant Download) 2️⃣ Download the ZIP file 3️⃣ Open in Google Sheets or Excel 4️⃣ Enter transactions 5️⃣ Let the system manage the rest Beginner-friendly, yet powerful. 🎥 WATCH NEXT ▶️ Full Setup & Walkthrough Video: (add link here) ▶️ How Smart Recommendations Work: (add link here) ⚠️ IMPORTANT NOTES • Digital download only • No physical product • For personal use only • Not financial, legal, or accounting advice ⭐ PERFECT FOR • Beginners starting budgeting • Couples managing shared finances • Anyone tracking expenses & bills • Users who want insights, not just numbers • People who want a smart finance system 💡 This is more than a budget tracker. It’s a smart financial companion built to grow with you. 👉 Get the Planner here: https://www.etsy.com/in-en/listing/44...