Money Reset Starter Bundle | Budget Spreadsheet, Debt Payoff Planner, Savings Tracker, Net Worth Tracker & Money Mindset Workbook

A budget spreadsheet bundle for people who are tired of starting over

Most budgets don’t fail because people are bad with money. They fail because the budget is doing a job on its own that it was never built to do. You track spending, sure. But the debt is still sitting there, the car insurance renewal still catches you off guard in March, and you have no idea if any of it is actually getting you anywhere.

So you quit. Then you try again in January.

The Money Reset Starter Bundle breaks that loop. It gives you five tools that each handle one job, and they hand off to each other. The budget tells you what’s left over. The debt planner tells you where that money should go. The sinking funds tracker catches the irregular bills before they become emergencies. The net worth tracker shows you the score once a month. And the workbook deals with the part no spreadsheet can touch: why you spend the way you do.

What’s inside the bundle

1. Emberly Simple Budget Spreadsheet

This is where everything starts. Emberly works whether you get paid weekly, every two weeks or once a month, which matters more than people think. A monthly template is useless if your paycheck lands every other Friday. You enter your income, list your bills and categories, and log spending as you go. The dashboard shows how much is left in each category in plain numbers, with no pivot tables to set up.

It also includes a bill tracker, savings goals and a basic debt payoff section. You get a blank version and a sample file filled with example data, so you can see how a real month looks before you enter your own.

2. Breakwater Debt Snowball Spreadsheet

List your debts once: balance, interest rate, minimum payment. Breakwater then works out two payoff orders. Snowball pays the smallest balance first, which gives you quick wins and keeps you motivated. Avalanche pays the highest interest first, which saves the most money. You can compare both side by side and pick the one you’ll actually stick with.

Every payment you log moves the progress bars on the debt-free dashboard. Watching a $4,200 credit card balance shrink a little each month does more for motivation than any pep talk.

3. Savings Grove Sinking Funds Tracker

A sinking fund is money you set aside a little at a time for a cost you know is coming. Christmas. Car repairs. School fees. The annual software subscription. Savings Grove gives you 50 fund cards to set up whatever you need, with a target amount and a date for each one. It works out how much to put away each month so you hit the goal on time.

If you like a challenge, it also includes the 52-week savings challenge and the 100-envelope challenge, both with trackers and savings calculators.

4. Worthbloom Net Worth Tracker

Net worth is simple: what you own minus what you owe. Most people never check it, which is a shame, because it’s the single clearest sign of whether your plan is working. Worthbloom tracks five years of monthly snapshots. You list assets like savings, retirement accounts and property, then liabilities like loans and cards. The dashboard charts the trend and marks milestones as you pass them, such as your first positive net worth or your first $10,000.

5. Root & Rise Money Mindset Workbook

This is the piece most budget bundles leave out. Root & Rise is a fillable workbook about your money habits and beliefs. It starts with a money scripts quiz that points to the patterns you probably picked up as a kid. Then it walks you through building a calm money plan, tracking emotional spending triggers and having money conversations with a partner that don’t end in a fight.

You can fill it in on a tablet or computer, or print it. There are ink-saver versions if you’re printing at home.

How to use the five tools together

Here’s a simple routine that takes about 20 minutes a week and an hour once a month.

1. Week one: Set up Emberly with your real income and bills. Don’t aim for perfect categories. Rough is fine.
2. Same week: List every debt in Breakwater and pick snowball or avalanche.
3. Week two: Open Savings Grove and create sinking funds for the three irregular costs that hurt the most last year.
4. Every Sunday: Log the week’s spending in Emberly and any debt payments in Breakwater.
5. End of each month: Update Worthbloom. Then spend 15 minutes on one section of the Root & Rise workbook.

That’s it. No apps to subscribe to, no bank logins to hand over.

Who this bundle is for

• Anyone starting a budget for the first time and wanting the full setup from day one
• People who’ve tried budgeting apps and found them confusing or too expensive
• Couples who want one shared system that both can open in Google Sheets
• Anyone paying off credit cards, student loans or a car loan who wants a clear debt-free date

It’s probably not for you if you need full business bookkeeping. For that, look at our small business bundles instead.

Formats and compatibility

• Spreadsheets: Excel (.xlsx), which also opens in Google Sheets. Works on Windows, Mac and in a browser.
• Workbook: fillable PDF, plus print-ready PDFs in US Letter and A4, in full colour and ink-saver versions.
• User guides: one for each product, so setup takes minutes rather than an evening of trial and error.

This is a digital download. Nothing is shipped. Your files are ready straight after checkout.

Frequently asked questions

Do I need Excel?
No. Every spreadsheet works in Google Sheets, which is free. Upload the file to Google Drive and open it.

Can I use it in any currency?
Yes. The spreadsheets don’t lock you into dollars. Type your amounts in rand, pounds, euros or anything else.

I’ve never used a spreadsheet. Is this too hard?
The user guides walk you through each step, and the Emberly sample file shows a finished month so you can copy the pattern.

Can I share it with my partner?
Yes. Put the Google Sheets versions in a shared folder and you can both update them.

What if I already own one of these products?
Get in touch through the contact page and we’ll sort out a fair option for you.

The price

Bought one at a time, these five tools cost $24.46. The bundle costs $18.49. That’s $5.97 off, or 25%, and everything arrives in a single download.