Resources
Planning tools and spreadsheets.
Free files for net worth tracking and monthly budgeting — the same ones used in the conversations we have with clients every week. No formulas to fight; just fill in the numbers.
What's inside
Two files, kept deliberately simple.
Each one fits on a single sheet and takes minutes to fill in.
Net worth tracker
FreeOne column per quarter: assets on top, liabilities below, net worth at the bottom. The quarterly trend tells you more than any single number.
CSV · opens in Excel, Google Sheets, or Numbers
Monthly budget
FreePlanned vs actual for income, fixed expenses, savings goals, and flexible spending. The goal is awareness, not perfection.
CSV · opens in Excel, Google Sheets, or Numbers
Free downloads
Get both files — free
Leave your name and email and the download buttons unlock right here, instantly. Both files open in Excel, Google Sheets, or Numbers.
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DimeGuard LLC is a financial-education platform, not a licensed insurance agency or professional advisory firm. Content is general education, not individualized tax, legal, accounting, investment or insurance advice. Insurance services are offered separately by Saral Toms only where he is personally licensed and authorized.
DimeGuard LLC is a financial-education platform, not a licensed insurance agency or professional advisory firm. Content is general education, not individualized tax, legal, accounting, investment or insurance advice. Insurance services are offered separately by Saral Toms only where he is personally licensed and authorized.