I have been using this to track my expenses in these difficult times. This spreadsheet enables me (on the pay day) to see the exact amount that I have left in my account after all the debits / standing orders / loan payments taken out. It also gives me a clear picture on how I spend my money on irregular / daily expenses. The watermark is not visible in the purchased version. Please leave a review after you have used my resources. If you have any questions, please do reach out.