Purchase your own Pennies To Pounds spreadsheet below to help you to manage your finances. The spreadsheet does all of the calculations for your budgeting, all you have to do is pop in the numbers! The sheets are divided into the twelve months of the year so you can budget your money with ease. Sections Include:​ ​Income Streams, Fixed Costs, Debts/Repayments, Savings, Special Occasions, and Variable Costs. Beginner friendly and easy to use!