📝 Frugal Worksheet Generator (Digital Download + Email)
Fill it out → Download CSV or tap Email me this (opens your Mail app with the worksheet in the email).
| Month | Category | Planned | Actual | |
2026 add-on idea: include an “Inflation Adjustment” line for each category (last year vs. this year).
Note: “Email me this” opens your Mail app with the CSV in the body (no attachment). If it’s long, use Download CSV instead.