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Paycheck Budget Workbook (Printable)


This printable Paycheck Budget Workbook is a complete budgeting & personal finance system to help you take control of your money and your life. It’s time to finally break the paycheck to paycheck cycle and live a life you love on a budget that you can afford (and without paying thousands for a financial coach!). See detailed product description below.


The Paycheck Budget workbook (printable) is a proven system created by a Chartered Accountant that you can follow at your own pace, step-by-step. One that gives you clear directions to create a budget that works! No more frustration and tears. Just an easy-to-follow clear path so that you can live a life you love on a budget you can afford (and without going broke!).

Steal my budget system! This is the system I used to pay off $30,000 of debt while saving $100,000+ towards my dream life. Even while supporting my family on a single income.

The Paycheck Budget workbook is:

  • completely undated so that you can start your financial journey at any time; 
  • ready to print at home or use with an app of your choice (PDF file);
  • gorgeous professional design to keep you inspired and motivated throughout your financial journey.

Just imagine if you could...

  • Get all your bills organised so that you don't miss any more payments.
  • Control where your money goes instead of wondering where it went.
  • Finally break the cycle of living paycheck to paycheck.
  • Have the freedom to spend and enjoy life without worrying about money.
  • Create a budget that works and that you can stick to - even if you earn irregular or biweekly income.
  • Follow a proven plan to pay off debt and finally live debt free.
  • Put money towards the things that make life exciting - from big events to daily treats.
  • Feel excited and happy about your finances instead of overwhelmed, frustrated and confused.
  • Set goals based on what's important to you and the life YOU want to live.
  • Stop fighting about money and get on the same page with your partner about your finances.

A paycheck budget is the most effective budgeting method. It's the only one that gives you total control over your finances. And it's the only method I recommend to break the paycheck to paycheck cycle. 

By purchasing the printable Paycheck Budget workbook, you'll receive a 12-month guided financial plan including:

  • an annual bill tracker to keep your bills organised and paid on time
  • yearly calendar and yearly overview for planning out your year
  • debt repayment plan so that you can create an easy-to-follow plan to become debt free faster than ever
  • net worth calculation worksheet to understand your wealth and how to grow it
  • cash envelope breakdown worksheet to help control your spending by using the cash envelope system
  • printable paycheck budget worksheets to make a plan for every dollar of your income regardless of whether you get paid monthly, weekly or fortnightly
  • expense trackers to track and categorise all your expenses
  • budget meeting worksheet to keep you and your partner on the same page (literally!) about money and communicating effectively
  • budget category breakdown to get clarity on where your money is really going
  • sinking funds tracker allowing you to plan ahead and save for the important things - from emergency funds to Disney vacations
  • access to a spreadsheet where you can create personalised graphs to represent your budget in a visual way...and SO much more!

It also comes with FREE access to my Paycheck Budget Graphs spreadsheets which helps you visualise your finances, allowing you to spot trends at a glance.

Printable Paycheck Budget Workbook comes with free access to Paycheck Graphs Annual Trends

Frequently asked questions about the Paycheck Budget Workbook (Printable)

How is this system different to Dave Ramsey and other systems?

Dave Ramsey advocates a percentage based budget which has helped many people. But I'm always teaching my students one important lesson: a percentage based budget isn't super customised to you and your life. That makes it harder to stick to which leaves you feeling desperate, overwhelmed and frustrated. My system involves managing your cashflow while also creating a separate budget each time you get paid. That means you're never budgeting with money you don't have. It's the best way to break the cycle of living paycheck to paycheck. It's also the best way to really take control of your finances and change your life. The PMC budgeting system also takes the most important thing into account which many other systems don't - YOU! Your goals, your personality, your life. But most importantly - the PMC budgeting system was created by me. I'm a professional Chartered Accountant and analyst with over a decade of experience in finance and managing money for billion-dollar companies. I didn't stumble into these systems - I created them intentionally to ensure I was managing my own money in the best way possible. I stand behind my systems and products 100%.

Is the printable Paycheck Budget workbook really worth the cost?

Absolutely! Ask yourself this: how much is financial freedom and peace worth to you? How much is a financially secure future for you and your family worth? What price would you put on the life of your dreams? I believe financial education should available to everyone. That's why I created Paper Money Co and offer the Budget Breakthrough course for free. I promise that you will not find a better, more practical, and more comprehensive resource at a lower price.

What if i get paid weekly or bi-weekly?

If you earn an irregular income or get paid multiple times per month, then the Paycheck Budget workbook is perfect for you! In fact, a paycheck budget is the only method I recommend if you're paid weekly or bi-weekly. The Paycheck Budget workbook will give you all the tools you need to easily budget your income and manage your expenses, even if you don't get paid monthly. There are 5 budget worksheets for each month, so whatever your pay schedule looks like - I've got you covered!

What if i get stuck and need help with my budget?

That's what I'm here for! If you get stuck or need a little extra help at any point while using your Paycheck Budget workbook, just email me at priya@papermoneyco.com and we'll work through it together. My Patrons are also able to book 1:1 budget consultations with me every month.

Is the paycheck budget workbook a daily planner?

No. The Paycheck Budget workbook is a workbook, not a planner. It's full of worksheets to help you manage your personal finances and budget. It contains monthly and annual calendars to keep your finances organised, but it doesn't have weekly or daily planning pages.

Can i share the workbook with others?

Please do not share the workbook with others. Doing so is against Paper Money Co store policies. Your friends and family will need to purchase their own copy of the Paycheck Budget workbook. The Paycheck Budget workbook cannot be copied or distributed for any purposes. If you love your Paycheck Budget workbook, then I'd really appreciate it if you share this page with your friends and family.

What is your return policy?

Due to the nature of the workbook as a digital product, all sales are final. If you're having trouble with your workbook at any time, just email me at priya@papermoneyco.com and we'll work through it together.

Want lifetime upgrades?

Eligible Patrons receive a free copy of my Paycheck Budget workbook when they become a member. As a perk of membership, they also receive all updates to this product for free as long as they are a member. That means they don't have to purchase new versions of the Paycheck Budget workbook when it's released! If you're interested in becoming a member, you can sign up here.

By purchasing this product, you agree to Paper Money Co's terms and conditions, privacy policy and disclaimer. Please note that due to the nature of digital products, no refunds can be issued after this product has been purchased. 

This is a digital product. No physical product will be shipped to you.

My mission

When a woman is in control of her money, she's in control of her life. She has the power to change her  life and live on her terms. She has the power to change the lives of those she loves and those around her. And, she has the power to make a difference and change the world. That's why I'm a firm believer that financial empowerment and education should be available to all women. Let's close the gender wealth gap, one woman at a time. So that you can live the life you were meant to live.

professional tools

I'm not just someone who plays with spreadsheets. I'm a Chartered Accountant and an Analyst with years of education and experience in finance. I believe in being the best at what I do, so that I can make the best  products for my customers.


You can go 100% digital with my products and save some trees. Or, if you prefer to print on demand, you won't be paying for packaging or shipping which reduces your carbon footprint.

quality tested

All the financial tools I've designed have come from personal necessity. That means I've road-tested each of them in my own life, so I know how life changing they are.

great value for money

I'm a firm believer that women everywhere deserve to be financially empowered. You don't have to be wealthy to have access to financial education and the right tools.