You can befriend polarbearz soon!

Omg, it's almost like I'm shadowing her footsteps HAHA. And I was totally going to ask, why Excel and not Google spreadsheet, and she answered it in her blog lol.

I was wondering if there's possibility of linking to hers but... Honestly mine is more on general management and much less details on the investment portion, there won't be anything worth porting. Two very different spreadsheets serving very different purposes, both grew from very docile creature to a monstrous blob full of dirty codes in the background.

Thank you! Soooo what's stopping you trying out the sheet? I'd love to hear what you have to see what more I can add onto the sheet.

lol for me, the scripts ain't so bad, but what's scary is the cell formulas that I have to cram everything into that one multi-line text box that doesn't have easy indentations, especially conditional formatting that can fit a whole formula in it but they only give you a single line text box to work with.

U very detailed & hard working  - zero-based budgeting will kill me  .

personally, i use Excel + "take-out savings for investing & buffer first" simplified budgeting
ie. i just put aside my net monthly income 20% or 80% windfall income (bonus) and use the rest, and if have extras at month end, throw more into savings for investing & buffer