Paycheck-to-Paycheck Bill Survival Planner

Know what is coming in,what is going out, and where the squeeze happens.

Your budget says there's enough. Your bank account says otherwise, three days before
payday. That's a timing problem, and a monthly budget can't see it.

This planner puts every paycheck and every bill on a calendar and adds them up day by
day for 13 weeks. It points to the exact date your balance could dip below zero, often
weeks ahead, so you have time to move a date, make a call, or adjust.

You type in yellow boxes and pick from drop-down lists. The spreadsheet does the math.
A filled-in sample household and a step-by-step guide show you exactly what to do. No
bank login, ever.

It's an organizing tool. It can't erase debt or change a credit score, and it won't tell you
which bill to skip. It helps you see clearly and keep track of every conversation.

What you get

Excel workbook, blank (16 tabs, including START HERE: income, bills, weekly forecast,
calendar, weekly review, variable income, essentials, late bills, debts, creditor contacts,
subscriptions, groceries, emergency budget, glossary)
The same workbook filled in for a fictional sample household
33-page PDF guide: 10-minute quick start, 12 step-by-step tasks, sample walkthrough,
shortfall framework, formulas in plain English, troubleshooting, FAQ, glossary
12 printable worksheets, including a paycheck and bill calendar
Quick-reference page and setup checklist