spreadsheet

New Year Budget Reset – 30-Day Challenge (Free Google-Sheet)

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Methodology I built a 30-day micro-task list → ₹100/day auto-debit → green cell = completed.Tasks: skip coffee, walk to metro, no-delivery day → total ₹ 3k in 30 days.Auto-debit: UPI mandate → same time daily → no willpower needed.Green streak: conditional formatting → red = missed, green = done.Live sheet includes a daily tracker and … Read more

How I Built a 6-Month Emergency Fund on a ₹25k Salary (Spreadsheet)

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Methodology I tracked every rupee for 14 months—PG rent, weekend biryani, and UPI cash-back.Surplus = salary – non-negotiables (rent, commute, utilities) – fun budget (₹ 3k).Side hustle (Notion templates) added ₹4 k 6 k/month → reinvested at 0% (cash under mattress).Float hacks: 45-day credit card cycle, UPI rewards, no-cost EMI on phone.Target: ₹1.5 lakh (6 … Read more