{"product_id":"cash-envelope-sinking-fund-planner","title":"Cash Envelope \u0026 Sinking Fund Planner","description":"\u003cp\u003e\u003cstrong\u003eGive every pound a job.\u003c\/strong\u003e A ready-built Excel planner for UK budgeting: cash envelopes for everyday spending, sinking funds for the costs you know are coming, and one page that shows whether your month adds up.\u003c\/p\u003e\u003ch3\u003eWhat's inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly Budget:\u003c\/strong\u003e income, bills and savings in one view, with a live 'Left to allocate' figure so you can budget to £0.00.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCash Envelopes:\u003c\/strong\u003e set a monthly amount per category, log spending week by week, and see what's left and a status for each envelope.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSinking Funds:\u003c\/strong\u003e enter a target and date for things like Christmas, car MOT or holidays and it works out the monthly amount and whether you're on track.\u003c\/li\u003e\n\u003cli\u003eStart Here tab with simple instructions. Example figures are included so you can see how it works; replace them with yours.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eDetails\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eExcel (.xlsx) workbook with formulas already built. Formulas calculate in Excel; it will usually open in Google Sheets or Numbers too, but formatting may differ.\u003c\/li\u003e\n\u003cli\u003eInstant digital download. Nothing is posted.\u003c\/li\u003e\n\u003cli\u003ePersonal-use licence.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cem\u003eEducational and organisational tool only, not financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"CapitalCraft Wealth","offers":[{"title":"Default Title","offer_id":59546381975900,"sku":"CCW-PLANNER-01","price":9.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1064\/0293\/9228\/files\/planner-01-hero_1.jpg?v=1792197073","url":"https:\/\/capitalcraftwealth.com\/products\/cash-envelope-sinking-fund-planner","provider":"CapitalCraft Wealth","version":"1.0","type":"link"}