Personal Budget & Expense Reduction

I’m looking for a finance-savvy freelancer to craft a practical monthly budget that will keep every bill paid on time. My biggest pain point is loan and credit-card payments, so the plan needs to prioritise those due dates while trimming day-to-day expenses elsewhere.

To make this work I’ll need:
• A clear snapshot of my current income, fixed costs, and variable spending.
• A streamlined budgeting template (Excel or Google Sheets is fine) set up with automatic reminders for each payment date.
• Actionable suggestions—no fluff—on where to cut costs so the cash freed up can cover those loan obligations without fail.

I’ll supply the raw numbers; you turn them into an easy-to-follow system that shows exactly what to pay, when to pay it, and how much is left over. If you have experience with tools like Mint, YNAB, or similar apps, that’s a plus, but a solid spreadsheet and clear guidance will do the trick.

Once I can see my payments flowing out on schedule for at least one complete cycle, I’ll consider the project a success.