The Income Firewall — Free Dynamic Budget Sheet.
Sixteen columns. Two checkboxes do the heavy lifting. Built for salesmen, part-time entrepreneurs, and founders living on variable income — the people whose budget has to flex with the month.
What you get inside
Map every recurring charge
Walk your last three statements. The $9 here, the $14 there, the annual fee you forgot about. They all go on the list. The complete list is the audit.
Run the Cancel sweep
Walk every row. If you wouldn't notice the service being gone in a week, mark the Cancel box, cancel it externally, then delete the row. RocketMoney pairs nicely as a second-pass tool.
Mark the variable bills
Check the Variable box on any bill whose amount changes month to month. Utilities yes, Netflix no. The totals row at the bottom shows your Monthly Fixed Nut and your Variable Expenses Total — the two numbers your firewall needs.
Grab the sheet.
Free copyable Google Sheet. The button opens Google Drive's "Make a copy" prompt — the template lands in your Drive instantly.
Get the Dynamic Budget Sheet →No email capture. No signup. Just the sheet.
Want help setting yours up?
Book a 90-minute Financial Strategy Session with Charming. Walk through your Income Firewall together and wire the sheet to your real numbers — fixed bills, variable months, the cancel sweep, the rest of it.
Book a 90-minute Financial Strategy Session →