Monthly Bill Tracker

Recurring charges are the quietest money you spend. A tab per month, every bill with a due date beside it, and the ones you forgot become visible the first time you fill it in.

What This Workbook Does

• A tab for January and a second covering February through December, so a full year lives in one file.
• Bill, balance, due date, amount due and amount paid on every row.
• Enough structure to catch the subscriptions, the quarterly bills and the annual premiums that a monthly budget usually misses.

How to Use It

1. List every recurring charge, including the quarterly and annual ones. Those are the ones that break budgets.
2. Put the due date beside each. Late fees are the most avoidable money you will ever spend.
3. Fill in amount due and amount paid as the month runs.
4. At the end of the first full year, read back the annual and quarterly rows — that total is usually the surprise.

What It Will Not Do

This is a record, not a forecast. It tells you what you are paying and when; deciding what to cut is a separate conversation.