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In this bundle
- Ultimate Annual Budget Spreadsheet$14.99
- Irregular Income Toolkit$29
- US Self-Employed Tax Engine — 1099 & Quarterly Estimated Taxes · Tax Year 2026$29
- Online Seller Profit, COGS & 1099-K Reconciliation — US · Tax Year 2026$19
- Student Loan Repayment Decision Toolkit — RAP vs IBR vs Standard · US · 2026$24
- IFTA Fuel Tax Spreadsheet — the whole quarter, by state · US · 2026$19
- UK Self Assessment Expenses Spreadsheet — every entry to its SA103F box · UK · 2025–26 & 2026–27$12
- Recipe Cost & Menu Pricing Spreadsheet — yields, sub-recipes and menu engineering · any currency$15
- Paycheck Budget Planner Spreadsheet$12.99
- Debt Payoff Planner Spreadsheet$9.99
- Mortgage & Loan Payoff Calculator$9.99
- Savings Goals & Sinking Funds Tracker$7.99
- Net Worth & Investment Tracker$9.99
- Wedding Budget & Planner Spreadsheet$12.99
- Small Business Bookkeeping & Invoice Tracker$14.99
- Annual Habit Tracker Spreadsheet$6.99
- Bill Calendar & Subscription Tracker$5.99
- Budget Binder Printable Kit$9.99
- Savings Challenges Printable Bundle$6.99
- Meal Planning & Grocery Budget Kit$5.99
- Cash Envelope System Printables$4.99
- Debt Payoff Printables$4.99
- Christmas Budget & Gift Planner$5.99
- Habit Tracker Printables$4.99
- Executor's Estate Settlement Kit (US)$24
- ADHD Daily Planner (Digital + Printable)$12.99
- ADHD Money System$27
- ADHD Budget Binder$9.99
- ADHD Time-Blocking Day Planner$19
- Burnout Recovery Workbook$11.99
- Money After Burnout$24
- Anxiety & CBT Journal$9.99
- Self-Care Planner & Journal$5.99
- DBT Skills Diary Card$19
- Tidy Cents Budget App$49
- ADHD Budget App$24
- Medical Bill & EOB Checker (US)$29
- Home Bakery Business Kit$7
- Coffee Shop Business Kit$7
- Clothing Boutique Business Kit$7
- Shoe Store Business Kit$7
- Gold & Jewelry Business Kit$7
- Candle Business Kit$6
- Cleaning Service Kit$7
- Food Truck Business Kit$7
- Salon & Barbershop Kit$7
- Real Estate Investment & Rental Analyzer$19
- Home Renovation Cost Estimator & Project Tracker$17
The Everything Bundle
All 48 Tidy Cents downloads — spreadsheets, printables, planners and offline apps — plus every new download released in the next 12 months. Not included: the online apps, PRO and the books. Currently: Ultimate Annual Budget, Irregular Income Toolkit, US Self-Employed Tax Engine — 1099 & Quarterly Estimated Taxes · Tax Year 2026, Online Seller Profit, COGS & 1099-K Reconciliation — US · Tax Year 2026, Student Loan Repayment Decision Toolkit — RAP vs IBR vs Standard · US · 2026 and 43 more.
48 products · $661.78 if bought separately
Instant download · personal-use license · lifetime updates
Pay by card, Apple Pay or Google Pay
Includes every download in the store today — spreadsheets, printables, planners and offline apps — plus every new download released in the next 12 months; re-download from your order page. The online apps, PRO and the books are sold separately.
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
This bundle includes
Ultimate Annual Budget Spreadsheet
12 months of budgeting on autopilot — dashboard, 60 categories, bills, debt, savings and net worth in one Excel / Google Sheets file.
- 18 sheets, 7,025 formulas — no macros, nothing locked
- Dashboard with 8 KPIs, 4 charts, month-by-month table and your top 5 categories
- 60 ready-made categories in 16 groups, each tagged Need / Want / Saving, plus 10 blank rows for your own
- 1,000-row Expense Log and 300-row Income Log with dropdowns and automatic month / group / type columns
Irregular Income Toolkit
Pay yourself a steady amount out of an unsteady income: a self-paycheck worked out from your own last twelve months, a buffer sized from your own volatility, and the number nobody else gives you — at zero income, how long do you last?
- 11 linked sheets, 3,700+ formulas — no macros, no add-ins, nothing locked
- Self-paycheck = the 25th percentile of your last 12 logged months, shown step by step next to the mean and the median so you can see why those were rejected
- Income volatility as a coefficient of variation, banded in plain English: steady, bumpy, volatile, feast and famine
- Buffer target sized from your own dispersion — MIN(12, MAX(3, ROUNDUP(3 + 12 × CV, 0))) months — with every number in the rule editable on Settings
US Self-Employed Tax Engine — 1099 & Quarterly Estimated Taxes · Tax Year 2026
United States federal, tax year 2026 only. Self-employment tax, income tax, the section 199A deduction and the exact quarterly payment that keeps you penalty-free — with Form 2210 Schedule AI worked in full, which is the sheet that pays for the file if your year is uneven.
- United States FEDERAL tax, tax year 2026 only — stated on the title, the first sheet, every sheet header and against every constant
- No "type your own tax rate" cell anywhere: every rate comes from a named IRS or SSA document with a URL and a verification date
- 12 linked sheets, ~1,000 formulas — no macros, no add-ins, nothing locked
- The four Form 1040-ES periods, not calendar quarters: Jan–Mar, Apr–May, Jun–Aug, Sep–Dec
Online Seller Profit, COGS & 1099-K Reconciliation — US · Tax Year 2026
United States federal, tax year 2026 only. The 1099-K says $48,000. You know you did not make $48,000. This is the workbook that shows exactly where the other $38,000 went — refunds, platform fees, postage, and the cost of the goods themselves — and lands on the Schedule C number you are actually taxed on.
- United States FEDERAL tax, tax year 2026 only — stated in the product name, on the title, on every sheet header and against every constant
- The 1099-K Reconciliation sheet: box 1a → refunds → fees → processing → shipping → COGS → Schedule C line 31, per platform, tied out to the cent
- No "type your own tax rate" cell anywhere: every rate comes from a named IRS or SSA document with a URL and a verification date
- 12 linked sheets, ~7,700 formulas — no macros, no add-ins, nothing locked
Student Loan Repayment Decision Toolkit — RAP vs IBR vs Standard · US · 2026
United States federal Direct loans, 2026 rules only. RAP, IBR and the Tiered Standard plan side by side over the full horizon — monthly payment, total cost, payoff or forgiveness date, balance forgiven — with the 90-day deadline clock from your servicer's notice. The smallest monthly payment is routinely the most expensive plan; this workbook is how you find out before you choose.
- United States federal Direct loans, 2026 rules only — stated on the title, the first sheet and against every constant
- RAP vs IBR vs Tiered Standard side by side over the FULL horizon — payment now, total paid, payoff or forgiveness date, balance forgiven
- RAP amortized month by month: the 34 CFR 685.209 bracket table, $50 per dependent, the $10 floor, the interest waiver and the $50 principal match, row by row to month 360
- The bracket cliff with real numbers: $20,000 AGI → $16.67/month, $20,001 → $33.34 — one dollar doubles the payment
IFTA Fuel Tax Spreadsheet — the whole quarter, by state · US · 2026
For owner-operators. The free calculator answers one trip; this workbook runs your QUARTER: a 420-row trip & fuel log that rolls up into the columns of Form IFTA-101 — fleet MPG rounded the specified way, credits offsetting taxes due on the same return, and the Kentucky/Virginia surcharge owed on full taxable gallons even when the fuel line is a credit. All 57 Q2 2026 diesel rates from a two-source, name-by-name cross-check, with quarter, capture date and both sources printed on the sheet itself.
- The quarter, not one trip: a 420-row trip & fuel log that rolls up into the columns of Form IFTA-101 — the aggregation the free calculators cannot do
- The surcharge trap, done right: KY/VA surcharge computed on FULL taxable gallons, owed even when the fuel line is a credit — on the shipped example, a $12.32 Kentucky credit still carries a $9.87 surcharge
- Credits offset debits on the same return, each at its own state's rate, netted in the grand total — with the specified rounding at every step
- All 57 Q2 2026 diesel rates from a two-source, name-by-name cross-check; quarter, capture date and both sources printed on the Rates sheet; unpublished rates left honestly empty, never guessed
UK Self Assessment Expenses Spreadsheet — every entry to its SA103F box · UK · 2025–26 & 2026–27
For sole traders. A year of income, expenses and business miles, kept where the return can actually use it: an expense log whose categories ARE the numbered SA103F boxes 17–30 with the disallowable slice beside each, a mileage log that knows 45p from 55p, the £1,000 trading-allowance election computed both ways on your own figures, and a Tax Estimate that prints the real 31 January demand — balance plus payments on account. Both tax years 2025–26 and 2026–27 behind one switch; England, Wales & Northern Ireland and Scotland behind another.
- Every entry lands in its numbered SA103F box: the expense log's categories are boxes 17–30 themselves, with a disallowable column beside each amount and the 32–46 mirror computed for you
- Year-aware mileage: 45p for 2025–26, 55p for 2026–27 on the first 10,000 miles per vehicle, 25p after, 24p motorcycles — the constant templates written before the change still get wrong, worth £850 on the shipped example
- The £1,000 trading-allowance election computed both ways on your own numbers, winner named — flat allowance or actual expenses, never both
- The real 31 January demand, not just "your tax": balance plus payments on account with the under-£1,000 and 80%-at-source exceptions applied and the first-year 150% moment flagged — £9,841.65 on the shipped example's £6,561.10 bill
Recipe Cost & Menu Pricing Spreadsheet — yields, sub-recipes and menu engineering · any currency
For people who sell food. The genre hands you one sheet that divides invoice cost by servings; this book costs every ingredient from as-purchased to edible-portion, lets a batch sauce be an ingredient in every dish that uses it, prices each plate two ways and names them correctly — target food-cost % and target contribution margin, not the markup the templates call margin — then classifies the whole menu from your own sales counts. No tax rules, no country: 9 linked sheets of arithmetic in whatever currency you set on the first tab.
- Per-ingredient AP→EP yields, not one global waste row — the shipped example's onions cost $0.90 a kilo as purchased and $1.02 a kilo as used, a 13.6% difference the free genre never shows you
- Batch sub-recipes as first-class rows: cost the sauce once, use it in any dish, and every dish moves when its ingredients do — one nesting level, enforced by a live Check
- Both pricing paths, named correctly: target food-cost % and target contribution margin side by side, plus what your chosen menu price actually achieves — food-cost %, contribution in money, margin % and markup %
- Menu engineering on your own sales counts (stars, plowhorses, puzzles, dogs) with the popularity and margin thresholds computed from your mix, not hardcoded
Paycheck Budget Planner Spreadsheet
Budget by paycheck, not by month — every bill assigned to the payday that covers it
- 11 sheets, 6,881 live formulas, zero macros — works in Excel 2016+ and Google Sheets
- Pay schedule generator: weekly, biweekly, semi-monthly (two variants) or monthly, with a weekend-payday rule (Friday before / Monday after)
- Up to 40 monthly bills, each assigned to the paycheck that covers its due date (bills due on the 29th–31st handled in short months)
- Paycheck Plan: pick a paycheck number and get its bill list, spending targets, savings transfers and leftover
Debt Payoff Planner Spreadsheet
Snowball, avalanche or your own order — a month-by-month payoff plan with a debt-free date and the interest you save
- 9 sheets: Start Here, Settings & Debts, Dashboard, Payoff Schedule, Comparison, Payment Log, Debt Thermometer, Extra Payment Planner, Minimums Only
- Up to 15 debts · 7 debt types · 120-month (10-year) schedule with automatic rollover of freed-up minimums
- Snowball / Avalanche / Custom strategy switch — compare in one click
- Dashboard: total debt, weighted APR, debt-free date, interest your plan vs minimums only, interest and months saved, payoff order table, 3 charts
Mortgage & Loan Payoff Calculator
See exactly what an extra payment is worth: five loans, full 360-payment schedules, and extra-payment, biweekly, refinance and lump-sum comparisons in one Excel / Google Sheets file.
- 15 sheets, 31,357 formulas — no macros, no add-ons, nothing locked
- Up to 5 loans at once, each with a full 360-payment amortisation schedule
- Every schedule runs twice — with your extra payments and without — so "interest saved" and "months saved" are real, not estimated
- Extra Payment What-If: eight extra amounts, eight complete schedules, payoff date and interest for each
Savings Goals & Sinking Funds Tracker
Up to 20 goals and sinking funds with monthly contributions, progress bars, on-track status and a funded-by date
- 8 sheets: Start Here, Settings, Dashboard, Goals, Contributions Log, Monthly Plan, Progress Bars, Sinking Funds Calendar
- Up to 20 goals / sinking funds · 12 categories · currency symbol of your choice
- Per goal: saved so far, % complete, remaining, months left, required monthly amount, On track / Behind / Done status, projected completion date, months to spare
- Contributions Log with 600 rows and a goal dropdown; totals, entry counts, this-month and last-entry per goal
Net Worth & Investment Tracker
Track every account in one place: monthly net worth snapshots, asset allocation vs target, holdings, debt payoff and a 30-year projection
- 10 sheets: Start Here, Settings, Dashboard, Accounts, Monthly Snapshot, Allocation, Investments, Projection, Goals, Liabilities
- 30 accounts × 24 monthly snapshots — assets, liabilities, net worth, month-over-month change and % change per month
- Dashboard with 12 KPIs (net worth, change this month, change YTD, assets, liabilities, debt-to-asset ratio, emergency-fund months, savings rate, blended expected return, FI progress, portfolio value, unrealised gain) and 4 charts
- Asset allocation by class with target %, drift in percentage points and the exact rebalance amount to buy or trim
Wedding Budget & Planner Spreadsheet
Budget, vendors, payments, guest list, seating and a 91-task timeline — one dashboard for the whole wedding.
- 13 linked sheets · 2,629 formulas · no macros, nothing locked
- Dashboard: days-to-go countdown, 16 KPIs, 4 charts, next 5 payments and the next 6 tasks
- 25 budget categories with a suggested % split, plus 5 blank rows — budget vs estimate vs contracted vs paid
- 40 vendors with quote, deposit, due dates, contract signed and Researching / Quoted / Booked / Paid status
Small Business Bookkeeping & Invoice Tracker
Ledgers, invoices with aging, a real profit & loss report, quarterly tax estimate and mileage — one file for the whole business year.
- 13 linked sheets · 15,292 formulas · no macros, nothing locked
- Dashboard: revenue, expenses, net profit, margin, outstanding and overdue invoices, tax set-aside, cash collected this month, plus 4 charts
- Income Ledger (1,000 rows) with client and category dropdowns, taxable Y/N and automatic sales tax / VAT
- Expense Ledger (1,500 rows) with a deductible % per category that you can override row by row
Annual Habit Tracker Spreadsheet
Track up to 15 habits for a whole year: twelve monthly grids, automatic streaks and completion rates, a year-in-pixels chart and a dashboard that keeps score for you
- 18 sheets: Start Here, Settings, Dashboard, Jan–Dec, Year in Pixels, Streaks, Habit Review
- Up to 15 habits with category, weekly target (1–7 days) and a colour tag
- Twelve monthly grids: 31 day columns with weekday letters, weekend shading, greyed-out non-existent days, weekly subtotals
- Per habit per month: check-ins, monthly target (target/week × days ÷ 7), % of target, longest streak
Bill Calendar & Subscription Tracker
Every bill and subscription on one printable month calendar, with due-date alerts, an annual overview and a cancel list that shows what you would save
- 8 sheets: Start Here, Settings, Dashboard, Bills, Calendar, Subscriptions, Payment Log, Annual Overview
- 60 bills × 6 frequencies (weekly, biweekly, monthly, quarterly, semi-annual, annual) with automatic monthly and annual cost
- Printable month calendar that redraws for any month and either week start, with the amount and number of bills on each day
- Status per bill — Paid this period, Due soon, Overdue, Scheduled — from your reminder days and last-paid date
Budget Binder Printable Kit
64 printable pages to plan every dollar: monthly budgets, bill tracker, paycheck plans, spending logs, savings and debt trackers — US Letter and A4
- 64 pages · 4 PDF files (US Letter + A4 × colour + Ink Saver)
- Zero-based monthly budget with 19 pre-labelled categories, plus a 50/30/20 version and a filled-in example
- 12-month bill tracker, bill payment calendar, paycheck worksheet and biweekly planner
- Expense logs by date and by category, envelope tracker, subscription tracker, no-spend challenge
Savings Challenges Printable Bundle
30 printable pages, 22 savings challenges from $100 to $10,000 — every box prints its own amount and running total
- 30 pages · 22 challenges · 4 PDF files (US Letter + A4 × colour + Ink Saver)
- Every box prints its amount AND the running total — no mental arithmetic, ever
- 52-week ($1,378), 52-week reverse, 52 weeks to $5,000, 26 biweekly deposits to $2,000
- 12-month plans for $1,200, $3,000 and $10,000, each with a "what actually went in" log
Meal Planning & Grocery Budget Kit
30 printable pages that tie meal planning to the grocery budget: weekly plans, aisle shopping lists, a four-shop price book, kitchen inventories and spend trackers — US Letter and A4
- 30 pages · 4 PDF files (US Letter + A4 × colour + Ink Saver)
- Weekly meal plan ×4: 7 days × breakfast, lunch, dinner, snack, plus a use-it-up box and cost per day
- Monthly grocery budget split by category and by week, with a method for setting the number honestly
- Three aisle-sorted shopping lists — big shop, top-up shop and a blank one you name yourself
Cash Envelope System Printables
25 printable pages: 14 fold-and-glue cash envelopes, a zero-based budget, withdrawal planner and trackers — US Letter and A4
- 25 pages · 4 PDF files (US Letter + A4 × colour + Ink Saver)
- 12 labelled + 2 blank fold-and-glue envelopes, finished size 6.5 × 3.5 in — fits US, euro, UK, CAD and AUD notes flat
- Transaction log (date · amount · balance, 10 lines) printed on every envelope front; month-end check table on the back
- Zero-based budget page and a 12-category envelope planner with per-paycheck amounts
Debt Payoff Printables
21 printable pages to get out of debt: snowball and avalanche worksheets, per-debt trackers, three colour-in thermometers and a debt-free certificate — US Letter and A4
- 21 pages · 4 PDF files (US Letter + A4 × colour + Ink Saver)
- Debt inventory for 15 debts: creditor, type, balance, APR, minimum, due day — with debt-to-income and card utilisation calculators
- Snowball vs avalanche compared with real computed numbers, not slogans
- Debt order worksheet with both rankings side by side and a decision box
Christmas Budget & Gift Planner
23 undated printable pages: holiday budget, sinking-fund countdown, gift list for 60 people, shopping and order trackers, menus, advent calendar — US Letter and A4
- 23 pages · 4 PDF files (US Letter + A4 × colour + Ink Saver) · undated, reusable every year
- Total holiday budget across 10 categories — gifts, food, travel, decor, cards, charity, events, wrapping, hosting, tips — planned vs actual
- Sinking-fund countdown with the real amounts worked out: $500, $1,000 and $1,500 goals from an August, September or October start, weekly and monthly
- Gift list by person: 3 pages, 60 people, budget vs spent, bought / wrapped / given ticks
Habit Tracker Printables
Monthly, weekly and yearly habit trackers, a 100-day streak page, a habit planner and a monthly review — US Letter & A4, colour and ink-saver.
- 10 pages: how-to guide, monthly tracker, weekly tracker, year at a glance, habit planner, 100-day streak, daily habit & mood log, monthly review, mini trackers
- US Letter and A4 files, each in full colour and Ink Saver (black & white)
- Vector PDF — crisp at any size, prints perfectly at 100%
- Works on iPad in GoodNotes, Notability, Noteshelf, Xodo and Penly
Executor's Estate Settlement Kit (US)
One offline file that counts your probate deadlines from your own dates, using your state's own statute — and prints the code section next to every date it gives you. Plus a 13-page binder to print.
- One purchase, not a subscription. The software that counts probate deadlines for you costs $96 to $100 a year and wants the deceased person's details uploaded to its servers — Executor.org lists $96/year, Everplans $99.99/year. This is a file on your disk, bought once, that you still own in five years.
- All 50 states and the District of Columbia, each with the code section and the words of the statute printed on screen
- Counts from the dates that actually matter: date of death, the day letters were issued, the day the notice to creditors was first published, the day your notice reached a particular creditor
- Gets the hard rules right: Maryland and Montana bar claims at the earlier of two dates, not the later; month-end clamps so 31 May plus nine months is 28 February, not 3 March
ADHD Daily Planner (Digital + Printable)
Undated, hyperlinked planner for ADHD brains: brain dump → top 3 → time blocks. Light & dark for GoodNotes, plus a printable edition.
- 40-page hyperlinked iPad planner (4:3 landscape) — light and dark files
- 17-page printable edition — US Letter + A4, colour + Ink Saver
- Daily page: brain dump → Must / Should / Could with 2-minute first steps → 6 am–10 pm blocks (plan vs what actually happened) → water, meds, food, movement, sleep → mood & energy → one win → tomorrow's first step
- Dopamine menu, low-energy day plan, overwhelm plan, phone-call script, routine builders
ADHD Money System
One number a day keeps it correct, bills are shown as "in 8 days" instead of on a calendar, and the catch-up sheet never asks you to back-fill a single thing.
- 12 linked sheets, 6,200+ formulas — no macros, no add-ins, nothing locked
- One cell a day: your balance. Spending is derived from it, so a three-week gap changes no total and there is nothing to back-fill
- No streak, no completion percentage, no count of days logged — anywhere in the file, and checked by the build
- "Your money lasts 10.1 days. The next money is 11 days away." — money translated into days, which is the unit that lands when time is the problem
ADHD Budget Binder
A printable money system designed around executive dysfunction: one-page money map, bill autopilot, impulse pause cards and a 15-minute weekly money date
- 38 pages, print-ready, with a clickable table of contents
- Designed around executive dysfunction, not a generic budget with an ADHD label on the cover
- One-page money map: income in → fixed bills → savings → one weekly number, drawn as a flow
- Bill autopilot checklist: every bill gets autopay AND a reminder, so a failed payment gets noticed
ADHD Time-Blocking Day Planner
One offline file that counts your day: set when you wake and sleep, add blocks, and it shows how much the day holds, how much you have committed, and when the plan ends — an overcommitted day as a number, not a surprise at night. A printable day is in the same download.
- It counts your day. Static planner PDFs give you an empty grid; this shows how much the day holds, what you have committed, and when the plan ends — as numbers.
- Buy once, not a subscription. The subscription ADHD planner apps bill every month; this is a file on your disk, bought once, that still opens in five years — and your day never leaves your device, because the file has no network code.
- A blank length is not zero. A block with no length is left off the timeline and named, never counted as taking no time — the whole plan turns on that.
- The time-math is checked. Day capacity, chained start/end times, buffers, overlaps — written twice, independently, and run against 500-plus scenarios before the file is packaged; if the two disagree, the file is not built.
Burnout Recovery Workbook
A 6-week guided workbook to recover from burnout: self-assessment, energy audit, rest plan, boundary scripts, workload map and a relapse-prevention plan
- 61 pages: a 6-page Understand section, 6 week overviews, 27 weekly worksheets, 6 daily check-in pages, 6 weekly reviews, resources, sources and 4 notes pages
- 15-item burnout self-assessment scored across exhaustion, mental distance and reduced efficacy, with a Week 6 re-take and compare page
- Week 1: energy audit, drains & gains, non-negotiables, minimum viable day
- Week 2: seven types of rest self-rating, sleep plan with 7-night log, recovery activities menu
Money After Burnout
For the months when the income stopped: how long the money you can reach actually lasts, with a date on it — what to stop paying and in what order, what a month costs at the floor, and the month going back to work stops the money falling.
- 11 linked sheets, 1,200+ formulas — no macros, no add-ins, nothing locked, nothing hidden
- A runway with a date on it: money you can reach ÷ what you are short each month, shown at three levels of spending, with the arithmetic set out line by line
- Money bucketed by whether you can actually reach it — now, within a month, or only at a penalty — and only what arrives in time counts
- Money coming in is subtracted before anything else: sick pay, a partner's contribution, a benefit, whatever work is left
Anxiety & CBT Journal
A 46-page printable CBT workbook: thought records, a cognitive-distortions guide, worry time, the worry tree, an exposure ladder, grounding cards and 30 days of tracking
- 46 pages, print-ready, with a clickable table of contents
- 8 blank thought records (situation, emotion %, automatic thought, evidence for, evidence against, balanced thought, re-rate) plus a fully worked example
- GAD-7 anxiety self-check reproduced in full, with the standard 5 / 10 / 15 bands and a day-30 re-take page
- Cognitive distortions guide: 12 distortions with examples and a challenging question each, plus a 10-item spot-the-distortion worksheet with suggested answers
Self-Care Planner & Journal
A printable, undated planner and journal built on one idea: self-care is maintenance, not a reward — so plan it around the energy you actually have
- 28 undated pages, print-ready, with a clickable table of contents
- Self-care menu by energy level (low / medium / high) — plus a filled-in example page to borrow from
- Self-care wheel across eight areas: physical, emotional, social, mental, spiritual, professional, financial, environmental
- Four daily check-in pages: mood, energy, calm, sleep, water, meals, movement, daylight, medication, connection, one kind thing, three gratitudes
DBT Skills Diary Card
One offline file that keeps your weekly DBT diary card — emotions and urges 0–5, the skills you used across four modules — and adds up the week: your run of days, each emotion's average, the skill you reached for most. A printable card is in the same download.
- Buy once, not a subscription. The diary-card apps people use are billed every month, and the entries live in someone else's cloud. This is a file on your disk, bought once, that still opens in five years — and your entries never leave your device.
- A real app, not a static PDF. Many DBT diary cards sold online are printable PDFs that cannot add anything up; this one keeps the card and does the weekly arithmetic for you.
- A blank day is not a zero. Averages are worked out only from the days you entered — an empty day is left out, never counted as nothing felt, and a 0 you type still counts
- The summary is checked. The weekly sums — streak, averages, skill counts — are written twice, independently, and run against 500-plus scenarios before the file is packaged; if the two disagree anywhere, the file is not built
Tidy Cents Budget App
One file you open in any browser. It shows what you can safely spend today, what your bills will take before payday, and where the month actually went — and none of it leaves your device.
- A single .html file — save it, open it, done. No install, no account, no subscription, no internet needed after the download
- Safe-to-spend today: your accounts, minus the bills due before payday, minus what you have set aside for goals — and it never flatters you
- Plan versus actual by category, with what is still unassigned shown as a number instead of hidden
- Bills that repeat weekly, fortnightly, monthly, quarterly or yearly, shown as "in 6 days" — and the 31st stays the 31st after a short month
ADHD Budget App
One offline file that rebuilds your whole budget from one number — today's balance. Miss a day or a month, type the balance, and everything is current again: safe-to-spend, bills before your next money, set-asides.
- A single .html file — save it, open it, done. No install, no account, no subscription, no internet needed after the download
- One field a day: type today's balance and every figure rebuilds from it — spending is derived, not typed in
- Safe-to-spend with its working shown line by line: bills due before your next money, overdue amounts, set-asides' share, your floor, expected money in
- "Money for N days, next money in M days" said in plain words — four descriptive bands, no red alarms and no judgement
Medical Bill & EOB Checker (US)
One offline file that puts your itemised hospital bill next to your insurer's EOB, checks the arithmetic on both, and shows every place the two papers disagree — including what the bill asks you for against what the EOB calls your share.
- A single .html file — save it, open it, done. No install, no account, no subscription, no internet needed after the download
- Paste both tables instead of typing them; you say which column is which, because insurers do not agree on the names and a wrong guess would be invisible
- The headline figure: what the bill asks you for against what the EOB calls your share, with the arithmetic shown
- Every difference written as arithmetic — line totals, document totals, EOB identities, duplicates, unmatched lines, mismatched units
Home Bakery Business Kit
Cost, price, allergens, freshness, stock and profit for a cookies & cakes home bakery — one Excel & Google Sheets file, any currency, no subscription
- Allergen labelling per product (gluten, egg, dairy, soy…) and a shelf life — ready for your labels
- Freshness / shelf-life tracker (food-safety): received date + shelf life → best-by, days left and an OK / USE SOON / EXPIRED flag for butter, eggs, milk, cream cheese
- 8 sheets: Start Here, Ingredients, Freshness, Recipes, Products, Sales, Dashboard, Checks
- Per-ingredient cost from pack price, pack size and a usable-yield % (real waste, not one blanket row)
Coffee Shop Business Kit
Cost per cup, freshness/shelf-life, stock and profit for a coffee shop, café or cart — one Excel & Google Sheets file, any currency, no subscription
- Freshness / shelf-life tracker (café-only): roast/received date + shelf life → best-by, days left and an OK / USE SOON / EXPIRED flag — beans at their peak, milk never spoiled
- Bean origin / grade and roast level on every ingredient — what you serve is documented
- 8 sheets: Start Here, Ingredients, Freshness, Recipes, Products, Sales, Dashboard, Checks
- Per-ingredient cost from pack price, pack size and a usable-yield % (spillage), for beans, milk, syrups and packaging alike
Clothing Boutique Business Kit
Every garment, every size, every colour — cost, price, markdown, per-variant stock, sell-through and profit for a clothing boutique in one Excel & Google Sheets file, any currency, no subscription
- Full variant matrix: one SKU per size × colour × print — each with its own stock, sell-through and reorder flag
- Every garment type, all four seasons, men / women / kids / unisex — one row per style
- Built-in size chart: XS–XXL ↔ Women US / UK / EU and Men chest / EU
- Combined colours and printed / plain variants handled as separate SKUs, not lumped together
Shoe Store Business Kit
Cost, price, stock, sell-through and profit for a shoe store — one Excel & Google Sheets file, any currency, no subscription
- 6 sheets: Start Here, Products, Inventory, Sales, Dashboard, Checks
- Per-style wholesale cost and retail price → margin % and markup % side by side, named correctly
- Markdown / clearance price with the margin it still leaves — never mark down into a loss
- Price for a target margin, and break-even pairs per style at your price
Gold & Jewelry Business Kit
Real metal-and-stone costing, buy-back, stock and profit for a jeweller — one Excel & Google Sheets file, any currency, no subscription
- Real jewelry costing: metal value = spot/g (pure) × fineness(karat) × metal-only weight (gross minus the stones)
- Stone value by carat × price-per-carat, plus a making/labour charge → the true total cost per piece
- Buy-back / scrap calculator — what to pay when a customer sells you gold, metal only at your buy-back %
- Margin % and markup % side by side (named correctly), the price for a target margin, and the markdown margin
Candle Business Kit
True cost per candle, cure-time tracking, stock and profit for a candle maker — one Excel & Google Sheets file, any currency, no subscription
- Cure-time tracker (candle-only): pour date + cure days → ready-to-sell date, days left and a CURING / ALMOST / READY flag — nothing ships before its scent is ready
- Category and supplier/notes on every material — wax, fragrance, wick, vessel and label documented
- 8 sheets: Start Here, Materials, Curing, Recipes, Products, Sales, Dashboard, Checks
- Per-material cost from pack price, pack size and a usable-yield % (spillage), for wax, fragrance oil, wicks, jars and labels alike
Cleaning Service Kit
Cost-plus pricing, break-even in jobs per month, startup costs, a supplies stock room, a repeat-client tracker and a profit dashboard for a cleaning business — one Excel & Google Sheets file, any currency, no subscription
- Priced like a service, not a product: labour hours × your hourly cost + supplies + a share of overhead → the true cost of a job (the cost-plus method a quote-only calculator skips)
- Margin % and markup % side by side, the price for a target margin, and break-even jobs per month per service
- Startup-cost estimator: total your setup and see how many jobs of profit earn it back
- Recurring-client tracker: frequency → visits/month, plus each repeat client’s monthly revenue, profit and annual value
Food Truck Business Kit
True cost per item, freshness/par tracking, daily break-even in covers, stock and profit for a food truck — one Excel & Google Sheets file, any currency, no subscription
- Freshness / Par sheet: received + shelf life → best-by, days left and an OK / USE SOON / EXPIRED flag, plus a par level and the top-up needed — nothing expired goes out, and you prep the right amount
- On-hand is pulled live from the stock room into the par sheet — top-up = par − on hand, no double typing
- 8 sheets: Start Here, Ingredients, Freshness, Recipes, Products, Sales, Dashboard, Checks
- Per-ingredient cost from pack price, pack size and a usable-yield % for trim, peel and griddle cook-loss
Salon & Barbershop Kit
Cost-plus pricing per service, break-even in appointments per month, a chair-rent-vs-commission comparison, a back-bar and retail stock room, tip and commission tracking and a profit dashboard for a salon or barbershop — one Excel & Google Sheets file, any currency, no subscription
- Priced like a service, not a product: chair time × your hourly chair cost + back-bar product + a share of overhead → the true cost of an appointment (the cost-plus method a price-list template skips)
- Margin % and markup % side by side, the price for a target margin, and break-even appointments per month per service
- Chair rent vs commission, done honestly: what a stylist’s chair earns you each way, which wins at their volume, and the revenue where they cross
- An appointments log with revenue, COGS and profit per line, a tip column, and the commission owed to each stylist worked out from their rate
Real Estate Investment & Rental Analyzer
Every real-estate strategy in one file — buy-and-hold, BRRRR, fix-and-flip and Airbnb — with cap rate, cash-on-cash, IRR, amortization and a dashboard. Excel & Google Sheets, any currency, no subscription.
- Four strategies in ONE file: buy-and-hold, BRRRR/refinance, fix-and-flip, Airbnb/STR — no competitor combines them
- Cap rate, cash-on-cash, NOI, DSCR, GRM, 1% rule and max-allowable-offer on the buy-and-hold analyzer
- Full loan amortization to payoff; 30-year projection with cash flow, equity, IRR, MIRR, NPV and the equity multiple
- Fix & Flip: 70% rule, MAO, rehab + holding + selling costs, net profit and ROI; BRRRR cash-out refinance
Home Renovation Cost Estimator & Project Tracker
Price and track a renovation down to the last item — room-by-room budget with Budget vs Contracted vs Actual, a 3-bid contractor compare, a milestone draw schedule and a $/area benchmark. Excel & Google Sheets, any currency, no subscription.
- Estimator AND project tracker in one file — no competitor combines both at this price
- Room-by-room line items: material, labour, waste %, tax, markup and contingency → your real project budget
- True 3-way Budget vs Contracted vs Actual with per-line variance and red overrun flags
- Built-in 3-bid contractor compare (lowest marked) + licence & insurance directory
Personal-use license for one household. No resale or redistribution. Delivered as a ZIP download immediately after payment. No physical item will be shipped.
