Personal finance, without the jargon

Clear guides on budgeting, saving, and how money actually works — written for people starting from scratch.

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These are the spreadsheets I built for my own money and life admin, cleaned up so anyone can use them. Every one was tested before it was listed. They work in both Excel and Google Sheets, there is no subscription, and you buy once and keep the file forever. Checkout and delivery are handled by Etsy, so your payment details never touch this site.

Instant download after purchase. Works in Excel and Google Sheets. Every formula tested before it is listed. Secure checkout through Etsy.

These are BeginnerFinanceHub's own tools. They are practical templates, not financial, legal, or tax advice.