Paid. Panicked. Repeated. | Payday & Bills Survival Planner

Because “I think that bill is next week” is not a financial system.

Paid. Panicked. Repeated. is an interactive payday and bills survival spreadsheet built to show not just what you spend in a month, but when the money actually leaves your account.

Use it to map paydays, recurring bills, subscriptions and flexible spending day by day so you can see dangerous low-balance points before they happen.

• Recurring bill master with due dates, categories and priorities
• Payday map for expected and actual income
• 31-day cash-flow view with opening and closing balances
• Automatic OK / TIGHT / DANGER / OVERDRAWN warnings
• Subscription tracker with Keep / Review / Cut decisions
• Live dashboard with lowest balance, danger days and month-end result
• Comfort-buffer and emergency-cash planning
• Buffer builder to create proper breathing room over time
• Supports €, $ and £

Digital spreadsheet download. No physical product is shipped.

This is a budgeting and organisational tool, not financial advice. Bank processing dates and provider collection rules vary, so users should enter the dates that apply to their own accounts.