Blog

Short, practical guides: how to calculate it yourself in Google Sheets or Excel, and the template if you would rather not build it.

• How to Price Handmade Products: Materials, Labor, Fees and ProfitNovember 2, 2026 · Small Business · A worked pricing example for handmade products: an 8 oz soy candle that costs 11.29 to make needs 23.99 on Etsy for a 40% margin after fees. Formulas, a price ladder from 20% to 70%, fee comparison and break-even.
• Home Bakery Pricing: Cost Per Serving, Cake Quotes and Your MarginOctober 12, 2026 · Small Business · How a home bakery spreadsheet prices a cake by servings: 36 servings at 7.50 each, 342.38 with tax, a 50% deposit, and 173.67 of profit on a 149.33 cost, plus a bake plan built from confirmed orders.
• Side Hustle Bookkeeping: Profit and Loss in One TabOctober 12, 2026 · Small Business · How a small business bookkeeping spreadsheet turns 35 income rows and 40 expenses into a monthly profit and loss: 12758.50 in, 4405.39 out, 8353.11 profit, a 65.5% margin and a quarterly tax set-aside.
• Subscription Tracker: What Your Subscriptions Cost Per YearOctober 9, 2026 · Budget & Money · What a subscription tracker spreadsheet shows for a list of 24 subscriptions: 310.32 a month and 3,723.87 a year once yearly, quarterly and weekly plans are normalized, 6 charges due in the next 7 days, a trial ending, and 5 unused subscriptions worth 875.63 a year.
• College Application Tracker: Deadlines, Fees and Essays Before 1 NovemberOctober 8, 2026 · Planners & Habits · What a college application tracker spreadsheet shows five weeks before the first deadline: 10 colleges, 2 applications submitted, 415 in fees to pay, 2 of 9 essays done, 19 scholarships worth 83,250, and the real price of each college after aid, from 20,900 to 47,200 a year.
• Mileage Log Spreadsheet: Business Miles, the Rate and the Deduction per YearOctober 7, 2026 · Small Business · What a mileage log spreadsheet adds up over a year: 113 sample trips from 5 January to 18 September 2026, 1,477.7 business miles at 0.70 a mile, a 1,034.39 deduction, 88% business, and a monthly report you can print and sign.
• Couples Budget Spreadsheet: Split Bills by Income, Not 50/50October 6, 2026 · Budget & Money · How a proportional split works in a couples budget spreadsheet: 4,200 and 3,100 of income give 57.5% and 42.5%, 3,682.46 of shared bills become 2,118.68 and 1,563.78, and one settle up line says Alex owes Sam 151.88.
• ADHD Budget Planner: Fewer Categories and One Number a DayOctober 5, 2026 · Budget & Money · An ADHD-friendly budget built around one number: safe to spend today. A sample month traced in Google Sheets: 3,480 income, 1,590 of bills, 195 to sinking funds, 34.22 safe to spend on day 17, and a 48 hour impulse pause that kept 310.
• Tax Deduction Tracker: What to Log Now So Next April Is ShorterOctober 4, 2026 · Business & Bookkeeping · A self-employed tax year traced through a tax deduction tracker: 34,922 income, 12,797.34 of deductions, 6,057.13 estimated tax, 773.41 due 15 Jan 2027. What to log in October, what each deduction is worth, and the Google Sheets formulas behind it.
• 31 Days of Halloween Movies: A Film a Day for October 2026, With RuntimesOctober 3, 2026 · Planners & Habits · A 31 days of Halloween movie list for October 2026 in two tracks, family and grown-up horror, with the runtime of every film: 50 hours 17 minutes vs 62 hours 1 minute, hours per week, what to do if you start late, and the Google Sheets formulas that track it.
• 2027 Calendar Template in Google Sheets: Build Your Own Year PlannerOctober 2, 2026 · Planners & Habits · How to build a 2027 calendar in Google Sheets or Excel with formulas: the month grid from one date, US holidays by rule (MLK Day Jan 18, Thanksgiving Nov 25), ISO week numbers, and events that land on the right day. With the real 2027 dates.
• Christmas Savings Challenge: How Much to Save Each Week Until December 25October 1, 2026 · Budget & Money · A 12 week Christmas savings challenge with real numbers: six goals from 360 to 2,000, the amount for every week from October 2 to December 18, 2026, rising vs flat saving compared, and the Google Sheets formulas to build your own.
• 50/30/20 Budget in Google Sheets: A One-Tab Monthly BudgetSeptember 30, 2026 · Budget & Money · A real monthly budget checked against 50/30/20: 3,200 income, 2,080 needs (65%), 320 wants (10%), 800 saved (25%). How to tag categories, the SUMIFS that does the split, and what to do when rent alone is 31%.
• Bill Calendar Template: How to Never Miss a Due DateSeptember 29, 2026 · Budget & Money · 17 bills in September on one month grid: 3,928.88 scheduled, 2,643.38 paid, 1,285.50 to go, one overdue. How a bill calendar handles quarterly and yearly bills, what to check in the next 7 days, and the formulas behind it.
• Wedding Budget Breakdown: What Each Category Costs, in PercentSeptember 28, 2026 · Budget & Money · A 30,000 wedding for 120 guests, split into 12 categories: the default percentages, what the sample couple actually planned, where they ended up 754 over, and the SUMIF, flag and guest-count formulas that show it.
• Credit Card Payoff: Minimum Payment vs Fixed Payment, Month by MonthSeptember 27, 2026 · Budget & Money · One card at 24.99% with 2,427.94 on it: 37 months and 1,074.09 of interest at the 95 minimum, 7 months and 195.69 at 400. Then five cards, 7,240.09 in total: what paying only the minimums costs, what a fixed monthly amount saves, and the NPER formula that shows it.
• 100 Envelope Challenge vs 52 Week Challenge: How Much You Save and By WhenSeptember 25, 2026 · Budget & Money · 5,050 in 100 envelopes or 1,378 in 52 weeks: the totals, the weekly pace each one really needs, why the 52 week plan saves 43% of its money in the last quarter, and the Google Sheets formulas to track either one.
• Habit Tracker in Google Sheets: Streaks and % Done with a Few FormulasSeptember 24, 2026 · Planners & Habits · One x per habit per day, and COUNTIFS does the rest: current and longest streak, % of target, weekly review. What 74 days and 8 habits of sample data show, including why the lowest completion rate can be the habit that is on plan.
• Church Budget Template: How a Small Church Plans a Year in Google Sheets (Funds, Budget vs Actual, Treasurer Report)September 23, 2026 · Business & Bookkeeping · One transactions tab, five funds, a nine-category budget and a monthly treasurer report. What nine months of sample data show about restricted money, the General fund and pledges, plus the SUMIFS formulas behind it.
• How to Set Up an Annual Budget for 2027 in Google Sheets (12 Months on One Dashboard)September 22, 2026 · Budget & Money · One transactions tab, one planned-vs-actual grid, and a SUMIFS per month. What nine months of sample data show about savings rate, the best-month trap and net worth, plus the formulas to build it.
• Christmas Budget Planner: Gifts, Food and Travel in One Spreadsheet So January Does Not HurtSeptember 21, 2026 · Budget & Money · A 2,000 holiday budget split into 7 categories, a gift budget per person, and the number most people never see: what is still planned but not yet bought. Real numbers from the template, plus the Google Sheets formulas.
• How to Budget a Biweekly Paycheck in Google Sheets (26 Paychecks, 12 Months of Bills)September 20, 2026 · Budget & Money · Why a monthly budget breaks when you are paid every two weeks, which months have three paychecks, and how to assign each bill to a paycheck with two formulas. Real numbers from the template.
• Debt Snowball vs Avalanche: Which Pays Off Debt Faster? (Same 5 Debts, Calculated)September 19, 2026 · Budget & Money · The same five debts run three ways in a spreadsheet: minimums only, snowball, avalanche. What actually changes the debt-free date, plus the Google Sheets formulas to check your own numbers.