Struggling to connect your daily spending habits with your long-term financial goals?
Tired of budgeting tools that miss the real story of your money?
The Personal Cashflow Worksheet Tracker helps you go beyond balances and start understanding your true financial behavior — day by day, account by account.
 
✨ What Makes This Tool Different:
✔️ 13 Organized Tabs – One for every month of the year, plus a Year-to-Date summary tab
✔️ Track by Date – Capture cash in and out for each day of the month (not just monthly totals!)
✔️ Bank + Account-Level Detail – Know where funds came from and where they went
✔️ Real-Time Net Worth Snapshot – Track your assets, liabilities, and true wealth monthly
✔️ No Apps or Logins Needed – Just open, enter, and reflect
 
📂 What You Can Track:
Cash received and disbursed daily
Which account each transaction came from or went to
Outstanding balances across:
Bank accounts
Credit cards
Lines of credit
Investment portfolios
Mortgage(s)
Your net worth and how it changes every month
 
👥 Who It’s For:
This tracker is perfect for:
🔹 Self-employed, gig workers, and freelancers
🔹 Goal-driven savers and wealth builders
🔹 Debt crushers who want to see real progress
🔹 Financial educators and coaches helping clients develop better money habits
🔹 Anyone who wants daily clarity and long-term insight
 
📦 What You’ll Receive:
📥 1 Excel (.xlsx) file — fully editable and reusable
✅ Compatible with Google Sheets
📖 Simple instructions included
📈 Ready to use — January through December + YTD overview
 
🔐 Take Control of Your Financial Story
 
This isn’t just a tracker.
It’s a financial reflection tool that reveals patterns, prompts better choices, and helps you grow your net worth from the inside out
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