{"title":"Debt \u0026 Savings","description":"\u003cp\u003eClear your debts faster, fill your savings pots and watch your net worth grow, with trackers built for UK accounts in pounds.\u003c\/p\u003e","products":[{"product_id":"uk-debt-payoff-tracker","title":"UK Debt Payoff Tracker","description":"\u003cp\u003eSee your debt-free date. Enter your credit cards, loans, car finance and overdraft, set what you can afford each month, and compare the snowball and avalanche methods side by side.\u003c\/p\u003e\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eTrack up to 15 debts in pounds\u003c\/li\u003e\n\u003cli\u003eSnowball vs avalanche: debt-free date and total interest for each\u003c\/li\u003e\n\u003cli\u003eA payoff schedule showing exactly what to pay each debt, every month\u003c\/li\u003e\n\u003cli\u003eFreed-up payments roll over to the next debt automatically\u003c\/li\u003e\n\u003cli\u003ePayment log with progress bars for every debt\u003c\/li\u003e\n\u003cli\u003eA chart of your total balance falling\u003c\/li\u003e\n\u003cli\u003eA warning if your budget doesn't cover your minimum payments\u003c\/li\u003e\n\u003cli\u003eStep-by-step PDF setup guide\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003cp\u003eDelivered as a ZIP file containing the spreadsheet and a PDF setup guide. Unzip it, then open the spreadsheet in Excel, or upload it to Google Drive and open it in Google Sheets.\u003c\/p\u003e\u003cp\u003eFigures are estimates based on the details you enter. For free, confidential debt advice, contact MoneyHelper, StepChange or National Debtline.\u003c\/p\u003e\u003ch3\u003eInstant download\u003c\/h3\u003e\u003cp\u003eYour files are available straight after payment. By completing your purchase, you agree to immediate access to your download and acknowledge that you lose your 14-day right to cancel once it's made available. If a file is faulty or not as described, we'll fix it, replace it or refund you. See our \u003ca href=\"\/policies\/refund-policy\"\u003eRefund and Cancellation Policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eThis template is a planning tool, not financial or debt advice. \u003ca href=\"\/pages\/not-financial-advice\"\u003eRead our full statement.\u003c\/a\u003e\u003c\/em\u003e\u003c\/p\u003e","brand":"The Monthly Ledger","offers":[{"title":"Default Title","offer_id":55209717301587,"sku":"TML-DEBT-01","price":6.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1112\/6197\/4867\/files\/1-Hero_7e79752a-f4fb-4f4f-b3b4-cc0f164046b2.png?v=1791224659"},{"product_id":"sinking-funds-savings-pots-tracker","title":"Sinking Funds \u0026 Savings Pots Tracker","description":"\u003cp\u003eStop being caught out by Christmas, car MOTs and birthdays. Give each pot a goal and a date, log what goes in and out, and see exactly how much to put aside each month.\u003c\/p\u003e\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eUp to 20 savings pots, each with a goal and target date\u003c\/li\u003e\n\u003cli\u003eA \"save per month\" figure that updates itself as you go\u003c\/li\u003e\n\u003cli\u003eA progress bar for every pot\u003c\/li\u003e\n\u003cli\u003eA log for every deposit and withdrawal, with dropdowns\u003c\/li\u003e\n\u003cli\u003eDashboard with total saved, total goals, what to save this month, and a chart\u003c\/li\u003e\n\u003cli\u003eStep-by-step PDF setup guide\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eWorks whether you save in one account with notional pots or use the pots in your banking app.\u003c\/p\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003cp\u003eDelivered as a ZIP file containing the spreadsheet and a PDF setup guide. Unzip it, then open the spreadsheet in Excel, or upload it to Google Drive and open it in Google Sheets.\u003c\/p\u003e\u003ch3\u003eInstant download\u003c\/h3\u003e\u003cp\u003eYour files are available straight after payment. By completing your purchase, you agree to immediate access to your download and acknowledge that you lose your 14-day right to cancel once it's made available. If a file is faulty or not as described, we'll fix it, replace it or refund you. See our \u003ca href=\"\/policies\/refund-policy\"\u003eRefund and Cancellation Policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eThis template is an organisational tool, not financial advice. \u003ca href=\"\/pages\/not-financial-advice\"\u003eRead our full statement.\u003c\/a\u003e\u003c\/em\u003e\u003c\/p\u003e","brand":"The Monthly Ledger","offers":[{"title":"Default Title","offer_id":55209718415699,"sku":"TML-SAVE-01","price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1112\/6197\/4867\/files\/1-Hero_0dccd15b-2626-4f06-ac1d-8656348973b6.png?v=1791224721"},{"product_id":"uk-budget-planner-bundle","title":"UK Budget Planner Bundle","description":"\u003cp\u003eBudget, pay off debt and save, with three spreadsheets built for UK pay in pounds. Save 28% compared with buying all three separately (£19.50).\u003c\/p\u003e\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eUK Monthly Budget Planner:\u003c\/strong\u003e 12 monthly tabs, spending log, bill calendar and annual overview\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eUK Debt Payoff Tracker:\u003c\/strong\u003e up to 15 debts, snowball vs avalanche, debt-free date and a month-by-month plan\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSinking Funds \u0026amp; Savings Pots Tracker:\u003c\/strong\u003e up to 20 pots with goals, target dates and save-per-month figures\u003c\/li\u003e\n\u003cli\u003eOne combined step-by-step PDF setup guide\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003cp\u003eDelivered as a ZIP file containing all three spreadsheets and a PDF setup guide. Unzip it, then open each spreadsheet in Excel, or upload them to Google Drive and open them in Google Sheets. They're three separate files, so you can start with one and add the others whenever you're ready.\u003c\/p\u003e\u003ch3\u003eInstant download\u003c\/h3\u003e\u003cp\u003eYour files are available straight after payment. By completing your purchase, you agree to immediate access to your download and acknowledge that you lose your 14-day right to cancel once it's made available. If a file is faulty or not as described, we'll fix it, replace it or refund you. See our \u003ca href=\"\/policies\/refund-policy\"\u003eRefund and Cancellation Policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eThese templates are organisational tools, not financial or debt advice. \u003ca href=\"\/pages\/not-financial-advice\"\u003eRead our full statement.\u003c\/a\u003e\u003c\/em\u003e\u003c\/p\u003e","brand":"The Monthly Ledger","offers":[{"title":"Default Title","offer_id":55209720381779,"sku":"TML-BUNDLE-01","price":14.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1112\/6197\/4867\/files\/1-Bundle-Hero.png?v=1791224841"},{"product_id":"uk-net-worth-tracker","title":"UK Net Worth Tracker","description":"\u003cp\u003eAdd up everything you own and owe, from ISAs and pensions to your mortgage and student loan, and watch your net worth change month by month.\u003c\/p\u003e\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eAn accounts tab with a balance for each month, January to December\u003c\/li\u003e\n\u003cli\u003eUK account types built in: Cash ISA, Stocks \u0026amp; Shares ISA, Lifetime ISA, Premium Bonds, workplace pension, SIPP, property and more\u003c\/li\u003e\n\u003cli\u003eDebts too: mortgage, credit cards, loans, car finance, overdraft, student loan and buy now pay later\u003c\/li\u003e\n\u003cli\u003eDashboard: net worth now, change this year, what you own and what you owe\u003c\/li\u003e\n\u003cli\u003eA breakdown by account type and a monthly net worth chart\u003c\/li\u003e\n\u003cli\u003eStep-by-step PDF setup guide\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003cp\u003eDelivered as a ZIP file containing the spreadsheet and a PDF setup guide. Unzip it, then open the spreadsheet in Excel, or upload it to Google Drive and open it in Google Sheets. Update your balances once a month; everything else calculates for you.\u003c\/p\u003e\u003ch3\u003eInstant download\u003c\/h3\u003e\u003cp\u003eYour files are available straight after payment. By completing your purchase, you agree to immediate access to your download and acknowledge that you lose your 14-day right to cancel once it's made available. If a file is faulty or not as described, we'll fix it, replace it or refund you. See our \u003ca href=\"\/policies\/refund-policy\"\u003eRefund and Cancellation Policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eThis template is an organisational tool, not financial or investment advice. \u003ca href=\"\/pages\/not-financial-advice\"\u003eRead our full statement.\u003c\/a\u003e\u003c\/em\u003e\u003c\/p\u003e","brand":"The Monthly Ledger","offers":[{"title":"Default Title","offer_id":55209723134291,"sku":"TML-NW-01","price":3.74,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1112\/6197\/4867\/files\/1-Hero_aea8f4ac-5a9a-422c-8f6c-ef0ee3923a47.png?v=1791224964"}],"url":"https:\/\/themonthlyledger.shop\/collections\/debt-savings.oembed","provider":"The Monthly Ledger","version":"1.0","type":"link"}