Personal Finance Starter

Net worth — everything you own minus everything you owe — the scoreboard.

$11one-time · VAT included · no subscription

Free files

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✓Download page opens right after payment + links by e-mail. No account.

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing · EN PL DE FR ES — every edition in one download

✓Free updates forever · 14-day refund

Part of New Year Money Reset Pack (5 files, $39) and The Graduate Kit (5 files, $35) — and of the Complete Collection (119 files, $99).

The first Sunday of the month page

What the file tells you every month

Four tools that fix the four things that quietly wreck personal finances — untracked net worth, debt paid in the wrong order, forgotten subscriptions, no safety net — in one file and one monthly habit.

01 · verdictDebt — which balance to attack first

02 · verdictSubscriptions — what you pay for and never use

03 · verdictSafety net — how long you could last

Sheets in the workbook

✓Monthly · the ritual page

✓Net Worth · assets, liabilities, monthly log

✓Debts · avalanche or snowball order

✓Subscriptions · honest 'last used' audit

✓Safety Net · months covered, milestones

How it works

1List what you own and owe — assets, debts with APR and minimum, subscriptions

2Pick a strategy — avalanche or snowball — the sheet orders your debts and shows the effect of an extra payment

3Open on the first Sunday — net worth, three verdicts, three tasks — twenty minutes

Who it is for

Anyone starting to take their money seriously and wanting a plan rather than a lecture.

Dark edition included

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay, Google Pay and PayPal. Prices in PLN, EUR, USD or GBP; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to hello@tintedcells.com.

Pairs well with

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