Get started with manual budgeting. This simple template helps you track income, assign categories,
and spot spending leaks—like subscriptions or BNPL—without connecting your bank. Privacy by default.
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Disclaimer (Educational Use Only)
Educational use only. This budgeting worksheet and any accompanying notes are provided by SeaBird Solutions, LLC (“SeaBird Budgeting”) for general educational and informational purposes only. It is not financial, investment, tax, accounting, or legal advice, and using this worksheet does not create a client, advisor, fiduciary, or other professional relationship with SeaBird Budgeting.
No recommendations or guarantees. Examples, categories, and amounts shown are illustrative only and are not tailored to your situation. Past results or sample budgets do not guarantee future outcomes. Your financial circumstances are unique; you are responsible for your own decisions and results.
Independent verification. While we aim to keep materials current and accurate, SeaBird Budgeting makes no representations or warranties, express or implied, regarding completeness, accuracy, reliability, suitability, or availability of the content. You should independently verify any information that is important to your decisions.
Consult a professional. Before making financial, investment, tax, or legal decisions, consider consulting a qualified professional (e.g., a licensed financial planner, accountant, or attorney) who can provide advice specific to your circumstances.
No sensitive data. Do not write bank logins, card numbers, PINs, one-time passcodes, Social Security numbers, or other sensitive personal information on this worksheet. SeaBird Budgeting is not a bank or lender and will never ask you for credentials to use this template.
References and brands. Any third-party services, products, or brands mentioned are used only as examples. No endorsement, sponsorship, or affiliation is implied, and all trademarks remain the property of their respective owners.
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SeaBird Budgeting provides educational budgeting software and materials; it is not a bank and does not provide financial, investment, or tax advice. No guarantees of outcomes. Brand names in examples are illustrative only; no endorsement implied.
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