✅ What's inside — 14 sections, all in one place:
📅 01 — Cover · your name, month and year
🚀 02 — Quick Start Guide · the 5-step guide to get going
💵 03 — Income · every income source, with totals
📊 04 — Monthly Overview · dashboard showing if you're on track
🧾 05 — Expense Categories · planned vs. actual spending
✅ 06 — Weekly Check-in · catch overspending early
📝 07 — Transaction Log · every expense, tracked
📆 08 — Bills Checklist · due dates, paid or not
🎯 09 — Savings Goals · up to 4 goals with progress bars
🏆 10 — Milestones · celebrate every win
📈 11 — Statistics · your numbers at a glance
🌱 12 — Hard Month · a gentle 6-step reset
⚠️ 13 — Mistakes to Avoid · common pitfalls, solved
🔁 14 — End-of-Month Review · reflect and reset for next month
