Early Life Investments, LLC
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Early Life Investments
Early Life Investments
A Family Financial Head Start

“The best time to build lifelong money habits is when you are young. The second-best time is today.”

Educational only: The author of Early Life Investments is not a Certified Financial Planner. The content here reflects the author's personal opinions and experience and is for general educational purposes only. Read the full disclaimer.

Workbook — Budgeting · Created October 5, 2026 · 1 min read

Home Service Price Tracker

The annual increase you never agreed to, made visible.

Lawn care, pest control, alarm monitoring, internet, the HVAC contract — services on autopay tend to rise a little every year without anyone deciding to pay more. One sheet, checked once a year, turns those increases into a list of phone calls.

Download: RecurringServicePriceCheck.xlsx — free, no email required, and it opens in Excel, Numbers or Google Sheets.

What This Workbook Does

  • Every recurring household service with last year’s and this year’s price and how often it is billed.
  • Annual cost for both years, the change in dollars and percent, and a flag on anything above your benchmark.
  • An overall increase weighted by cost, so a large rise on a small service does not distort the total.
  • A notes column for scope changes, such as more visits or a surcharge.

The overall increase is calculated from the two annual totals rather than by averaging the percentages, which would give a small service the same weight as a large one.

How to Use It

  1. List every service you pay for on a repeating basis, including the ones on autopay.
  2. Enter the unit price and how many times a year you are billed.
  3. Set the benchmark to the annual increase you consider acceptable.
  4. Work down the Flag column; every flagged line is a phone call.
  5. Read the overall increase at the bottom.
  6. Next year, move the current prices into the prior-price column and start again.

What It Will Not Do

A higher price is not automatically a price rise. Check whether the scope changed — more visits, a larger area, a different product — before treating an increase as one.

Every workbook on this site is free. The full set — budgeting, debt, career, real estate and the kids’ sheets — is on the Worksheets & Planners page.
Where to go next: Monthly Bill Tracker — every recurring bill, month by month; How to Budget — the verify half of the budget; Home Repair Punch List — the one-off jobs, tracked the same way.