Never Run Out Before Payday: The Excel Workbook That Plans Every Paycheck
by The Smarter Assets
$13
Tired of watching your paycheck disappear before the month does? Plan It Before Payday gives every dollar a job before the paycheck lands. You enter your income and bills once. The workbook then tells you which bills each paycheck covers, where the rest goes, and how much to set aside for surprise costs like Christmas, car repairs and school fees. Every paycheck ends at $0: planned, not spent by accident.
Works in Excel and Google Sheets. You get both, plus a fully filled-in example family so you can see exactly how it should look.
What’s inside (Dashboard + 11 connected tabs):
📅 Pay Rhythm & 12-Month Calendar: shows the months with an extra payday so you can plan for them instead of letting them vanish.
🧾 Cost Sweep: list what really leaves your account and get your true monthly number.
👨👩👧 Family Costs: price the whole year, including the costs that show up only once or twice.
💰 Lumpy-Cost Pots: the exact amount to save per paycheck for Christmas, birthdays, car service and school.
🗺️ Bill Map: every bill matched to the paycheck that arrives just before it’s due.
✅ Paycheck Plan with a Zero Check: a priority ladder that gives every dollar a job and flags any plan that doesn’t reach $0.
🎯 Weekly Caps + Weekly Check: a 15-minute weekly habit that keeps spending in line.
🔄 Money Moves, Monthly Review & Score: track your progress with a score out of 10.
📊 Live Dashboard: charts and KPI cards that update as you type.
🏁 90-Day Tracker: checkpoints that tick themselves.
What you get right after checkout:
The Excel workbook (.xlsx), blank and ready to use
A Google Sheets copy link: click “Make a copy” and it’s yours
A filled-in example (the Carter family) to follow step by step
Yellow = type here, white = automatic. No formulas to build, no spreadsheet skills needed
A Start Here tab with 8 golden rules and a “your first 90 minutes” quick start
Drop-down menus and color checks (green = good, peach = decide) so you always know what to fix
Who it’s for: families, couples, single parents and anyone paid weekly, every two weeks, twice a month or monthly who wants a plan instead of a guessing game.
Best used on a computer. Digital download, nothing is shipped.
👉 Click “I want this!” and plan your next paycheck tonight.