I’m putting together a very lean Google Sheets template that keeps my credit-card charges and fixed bills in one place and refreshes itself every time I record a payment. The sheet must let me see, at a glance, the payment date, the amount due, and the remaining balance for each item. A clean monthly view is key; I’m open to whichever layout—grid, list, or a lightweight dashboard—delivers that clarity most naturally. What matters to me is automation and simplicity. When I type a payment into the sheet, I want the balance to recalculate, the next due date (if applicable) to roll forward, and totals for the month to update without extra clicks. Thoughtful use of formulas, array functions, or even a touch of Apps Script is welcome as long as the final product stays easy to maintain. Deliverables • A Google Sheets file pre-populated with sample rows so I can see the logic in action • Clear inline notes or a short guide explaining how to add new cards or bills and how the auto-update works • Built-in safeguards (e.g., data-validation or simple error checks) to stop me from entering something that breaks the formulas Once you hand over the sheet, I’ll plug in my real figures; if everything refreshes correctly, the project is done.