Give your bills a home

A free Google Sheets template to get your monthly Direct Debits out of your head and into one place.

Whats inside?

01 - Common bills already listed, plus space to add your own.

02 - Monthly amounts, payment days and accounts.

03 - Optional pot names and a “Pot created?” checkbox.

04 - An automatic total so you know how much to set aside.

05 - Simple instructions to help you get started.

What is Investing from Scratch?

If you have ADHD, sitting down to sort your money can feel like a job you keep putting off.

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Start with one small task: list your bills.

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This simple template helps you see what’s coming out, when it’s due and which account it leaves—then tick off each bill as you create a pot for it.

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Use one bills pot or separate pots. Fill it in all at once or start with just one Direct Debit.

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You don’t need a perfect budget to take the first step.

Who am I?

I'm Daniel. I've worked in finance for about ten years, and I still remember how confusing investing felt when I first tried to learn it. Every explanation assumed I already knew the jargon.

I built this guide as the simple starting point I wish I'd had. It won't tell you what to buy. It covers the six things I'd want to understand before putting in my first pound, explained in normal English and backed by the actual numbers.

I share the same approach on TikTok at @Grayareafinance: no hype, no hot tips, just the maths.