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does anyone have a solid personal finance/budgeting template to share?

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Saving > spending

What else do you need?

an excel sheet

I might have a couple templates lying around

no sorry but very good luck and i hope someone has and shares what you are looking for

You might check out Actual. https://actualbudget.org/

ooh, this seems cool

thank you so much

For sure! There may be a little bit of a learning curve, but I've been using Actual for about 2 years and am very happy with it.