Welcome to The Sheetkeeper.
I’ll help you build your own Google Sheets personal finance spreadsheet so you can project your financial future, make smarter decisions, pay off debt, and more.
You’ll learn:
• How to track income, expenses, and credit card balances
• How to project savings and debt payoff timelines
• How to model financial decisions in Google Sheets
Download your free personal finance template at thesheetkeeper.com.
Disclaimer: The content on this channel is for informational and educational purposes only and does not constitute financial, legal, or investment advice. Always consult a qualified professional about your specific situation.
All figures and examples are for illustrative purposes only and based on assumptions. Verify your own calculations and methods before making financial decisions.
© 2026 The Sheetkeeper. All rights reserved. Unauthorized use, reproduction, or distribution of this content is prohibited.
Sheetkeeper
$5,000 in debt on a $50,000 income can feel like a treadmill you can't step off.
So in this one I sat down and built the whole thing out on a single spreadsheet — no hacks, no "just skip the coffee" — just the real math of how the payoff actually happens and what it takes to get there.
Once it's on one page, the path stops feeling impossible. You go from *hoping* you'll pay it off to *knowing* the exact month it's gone.
The free spreadsheet to follow along is linked in the description.
▶️ Full walkthrough is up now.
What's the next scenario you'd like me to model out? Credit card, car, or student loan?
3 months ago |[YT] | 0
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Sheetkeeper
New Video Is Up!!!
Discretionary spending isn’t a punishment.
It’s a skill — and one you can use forever.
I just published a new video breaking down the envelope / sock drawer method and why hitting your discretionary number matters more than almost anything else in your plan.
New video is live if you want to go deeper.
8 months ago |[YT] | 0
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Sheetkeeper
Super-short video here with a key point about a payday scenario: We're able to instantly tell (2 months before it happens) we're going to have a paycheck where lots of bills line up all at once, and we get close to 0 in the checking account. See how it's done here!
8 months ago |[YT] | 0
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Sheetkeeper
New video out! Why payday should be just as boring as any other day: What to do on payday (and what not to do)!
8 months ago |[YT] | 0
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Sheetkeeper
Check out the difference between these debt scenarios! In the first, $4k is paid off in 3 years, and in the second, it's paid off in just 1 year with 2x the allowance for food, gas, and entertainment.
8 months ago |[YT] | 0
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Sheetkeeper
New post! Want to see how a roommate can help you take your $4,000 in credit card debt to $0 in under 1 year (as opposed to 3)? Check out this short video.
8 months ago |[YT] | 0
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Sheetkeeper
Newest video is live! Here's a scenario where someone making $40,000 per year pays off $4,000 in credit card debt in two different ways: One takes a few years, one is done in 2026. I'd love to hear more from you about other scenarios you'd like to see!
8 months ago |[YT] | 0
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Sheetkeeper
There are many apps to help with many aspects of personal finance, but why does it make sense to build your own plan in addition to these apps, or in place of them? Find out here!
8 months ago |[YT] | 0
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Sheetkeeper
According to the Bureau of Labor Standards, what percentage of US employees are paid biweekly? (As opposed to weekly, monthly, bimonthly, or otherwise)
8 months ago |[YT] | 0
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Sheetkeeper
The experts all recommend building an emergency fund, but how, specifically, do we do it and ensure we're also able to pay our bills and have enough left to spend? Check out the latest release here!
8 months ago |[YT] | 0
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