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      <image:title>How to Make a Monthly Budget in a Spreadsheet (Step by Step)</image:title>
      <image:caption>Laptop showing a budget spreadsheet on a desk with a notebook and a cup of tea</image:caption>
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    <loc>https://tidysheets.net/blogs/guides/50-30-20-budgeting-method-explained</loc>
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      <image:title>The 50/30/20 Budgeting Method Explained (With a Worked Example)</image:title>
      <image:caption>Pie chart split into three parts illustrating the 50/30/20 budgeting method</image:caption>
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    <loc>https://tidysheets.net/blogs/guides/zero-based-budgeting-explained</loc>
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      <image:title>Zero-Based Budgeting Explained: How It Works and Who It Suits</image:title>
      <image:caption>Row of jars with coins, each coin given a place, illustrating zero-based budgeting</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/debt-snowball-vs-debt-avalanche</loc>
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      <image:title>Debt Snowball vs Debt Avalanche: How Each Method Works</image:title>
      <image:caption>A growing snowball beside a stack of stones, illustrating debt snowball and avalanche methods</image:caption>
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    <loc>https://tidysheets.net/blogs/guides/how-to-track-spending-without-an-app</loc>
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      <image:title>How to Track Your Spending Without an App</image:title>
      <image:caption>Hand writing spending in a notebook next to receipts and a phone</image:caption>
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    <loc>https://tidysheets.net/blogs/guides/sinking-funds-plan-for-irregular-costs</loc>
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      <image:title>Sinking Funds: How to Plan for Irregular Costs</image:title>
      <image:caption>Five envelopes pinned to a board beside a calendar, illustrating sinking funds</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-set-savings-goals-you-can-track</loc>
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      <image:title>How to Set Savings Goals You Can Actually Track</image:title>
      <image:caption>Three jars filling with coins for a trip, a laptop and a home</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-budget-for-a-holiday</loc>
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      <image:title>How to Budget for a Holiday, From Flights to Spending Money</image:title>
      <image:caption>Open suitcase with folded clothes, sunglasses, passport and a checklist</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-split-holiday-costs-with-friends</loc>
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      <image:title>How to Split Holiday Costs Fairly With Friends</image:title>
      <image:caption>Friends placing coins on a picnic blanket to split holiday costs</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/holiday-packing-checklist</loc>
    <lastmod>2026-10-02T21:52:36+01:00</lastmod>
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      <image:title>The Holiday Packing Checklist: Everything to Pack, by Category</image:title>
      <image:caption>Travel items laid out beside a packing checklist on a clipboard</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-plan-a-wedding-budget</loc>
    <lastmod>2026-10-02T21:52:36+01:00</lastmod>
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      <image:title>How to Plan a Wedding Budget: The Categories to Include</image:title>
      <image:caption>Wedding rings, flowers, fabric swatches and a planning notebook</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/moving-house-checklist</loc>
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      <image:title>Moving House Checklist: What to Do 8 Weeks Before (and After)</image:title>
      <image:caption>Stacked moving boxes with a plant, keys and a calendar with moving day circled</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-budget-for-christmas</loc>
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      <image:title>How to Budget for Christmas Without the January Money Hangover</image:title>
      <image:caption>Christmas budget notebook with a calculator, wrapped presents, gold coins and a cup of tea</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/christmas-gift-list-spreadsheet</loc>
    <lastmod>2026-10-02T21:52:36+01:00</lastmod>
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      <image:title>How to Make a Christmas Gift List Spreadsheet</image:title>
      <image:caption>Christmas gift checklist on a clipboard surrounded by wrapped presents, ribbon and gift tags</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/zero-based-budget-spreadsheet</loc>
    <lastmod>2026-10-02T21:52:36+01:00</lastmod>
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      <image:title>How to Set Up a Zero-Based Budget Spreadsheet (With Example)</image:title>
      <image:caption>Row of jars with coins, each coin given a job, illustrating a zero-based budget</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/sinking-funds-list-ideas</loc>
    <lastmod>2026-10-03T20:26:23+01:00</lastmod>
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      <image:title>Sinking Funds List: 30 Ideas for Costs You Know Are Coming</image:title>
      <image:caption>Six envelopes with coloured wax seals beside a notebook, coins, a gift and a car key ring, illustrating sinking funds</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-split-bills-as-a-couple</loc>
    <lastmod>2026-10-03T20:25:50+01:00</lastmod>
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      <image:title>How to Split Bills as a Couple: 50/50 or By Income?</image:title>
      <image:caption>Two mugs of tea beside a laptop spreadsheet, household bills and a set of house keys</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-budget-for-a-house-renovation</loc>
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      <image:title>How to Budget for a House Renovation (UK Guide)</image:title>
      <image:caption>Paint swatches, a tape measure, tile samples and a laptop showing a renovation timeline spreadsheet</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-track-calories-and-macros-in-a-spreadsheet</loc>
    <lastmod>2026-10-02T21:51:59+01:00</lastmod>
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      <image:title>How to Track Calories and Macros in a Spreadsheet</image:title>
      <image:caption>Porridge with berries, salmon and rice, an apple and almonds beside a phone showing a food tracking spreadsheet</image:caption>
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    <loc>https://tidysheets.net/blogs/guides/workout-plan-spreadsheet</loc>
    <lastmod>2026-10-02T21:52:23+01:00</lastmod>
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      <image:title>How to Plan Your Workouts and Track Progress in a Spreadsheet</image:title>
      <image:caption>Dumbbells, a yoga mat, trainers and a water bottle beside a laptop showing a workout progress chart</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/cash-isa-changes-april-2027</loc>
    <lastmod>2026-10-04T19:39:13+01:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/0950/7025/7488/articles/tidy-guide-21-cash-isa-changes-april-2027.jpg?v=1791139153</image:loc>
      <image:title>Cash ISA Changes in April 2027: What&apos;s Changing and What Isn&apos;t</image:title>
      <image:caption>A desk calendar with one date ringed in gold beside two jars of coins, a notebook and an envelope, illustrating the April 2027 cash ISA changes</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/dave-ramsey-baby-steps-uk</loc>
    <lastmod>2026-10-04T20:02:55+01:00</lastmod>
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      <image:title>The 7 Baby Steps Money Plan Explained for the UK</image:title>
      <image:caption>Seven stepping stones in a rising line beside a jar of coins and a checklist notebook, illustrating a seven-step money plan</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/money-mantras-and-piggybanking-explained</loc>
    <lastmod>2026-10-04T20:14:52+01:00</lastmod>
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      <image:title>Money Mantras and Piggybanking Explained: Four Budgeting Ideas</image:title>
      <image:caption>Four glass jars of coins with blank tags beside a wallet, a blank card and a budget notebook</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/fun-ways-to-save-money-uk</loc>
    <lastmod>2026-10-04T20:14:52+01:00</lastmod>
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      <image:title>12 Fun Ways to Save Money: UK Savings Challenges That Add Up</image:title>
      <image:caption>A jar of coins, pastel envelopes, a piggy bank and a notebook with a savings chart being coloured in</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-track-side-hustle-income-uk</loc>
    <lastmod>2026-10-04T21:01:55+01:00</lastmod>
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      <image:title>How to Track Side Hustle Income in the UK: The £1,000 Rule and What to Record</image:title>
      <image:caption>Brown paper parcels, packing tape, a dog lead, receipts and a notebook for tracking side hustle income</image:caption>
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    <loc>https://tidysheets.net/blogs/guides/landlord-record-keeping-uk</loc>
    <lastmod>2026-10-06T07:50:15+01:00</lastmod>
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      <image:title>Landlord Record Keeping in the UK: What to Track and the Dates That Matter</image:title>
      <image:caption>House keys, a small model house, a green binder and a stack of receipts on a cream linen surface</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-mortgage-overpayments-work-uk</loc>
    <lastmod>2026-10-06T07:50:15+01:00</lastmod>
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      <image:title>How Mortgage Overpayments Work: Limits, Charges and the Sums</image:title>
      <image:caption>A small model house, a brass key and rising stacks of coins beside a green notebook</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-audit-your-subscriptions-uk</loc>
    <lastmod>2026-10-06T07:50:15+01:00</lastmod>
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      <image:title>How to Audit Your Subscriptions and Keep on Top of Renewals</image:title>
      <image:caption>A blank calendar with green stickers, wireless earbuds, a TV remote and a green notebook</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/student-budget-uk-maintenance-loan</loc>
    <lastmod>2026-10-06T07:50:15+01:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/0950/7025/7488/articles/tidy-guide-31-student-budget-uk-maintenance-loan.jpg?v=1791231381</image:loc>
      <image:title>How to Budget as a Student: Making Your Maintenance Loan Last the Term</image:title>
      <image:caption>A stack of books, a pencil case, a mug and a jar of coins beside a green notebook</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-to-work-out-your-net-worth-uk</loc>
    <lastmod>2026-10-06T07:50:15+01:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/0950/7025/7488/articles/tidy-guide-29-how-to-work-out-your-net-worth-uk.jpg?v=1791231377</image:loc>
      <image:title>How to Work Out Your Net Worth (and Track It Over Time)</image:title>
      <image:caption>A brass balance scale with coins on one side and a model house on the other, beside a jar of coins</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/how-much-does-a-pet-cost-uk</loc>
    <lastmod>2026-10-06T07:50:16+01:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/0950/7025/7488/articles/tidy-guide-32-how-much-does-a-pet-cost-uk.jpg?v=1791231383</image:loc>
      <image:title>How Much Does a Dog or Cat Cost? UK Figures and What to Budget For</image:title>
      <image:caption>A leather dog collar and lead, a bowl of pet food, a rope toy and a toy mouse beside a green notebook</image:caption>
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  </url>
  <url>
    <loc>https://tidysheets.net/blogs/guides/how-much-does-it-cost-to-run-a-car-uk</loc>
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      <image:title>How to Work Out What Your Car Really Costs to Run</image:title>
      <image:caption>A car key, a wooden toy car, coins and a receipt beside a green notebook</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/fire-number-explained-uk</loc>
    <lastmod>2026-10-06T07:50:16+01:00</lastmod>
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      <image:title>FIRE Explained for the UK: What a FIRE Number Is and How It&apos;s Worked Out</image:title>
      <image:caption>A seedling in a terracotta pot, a pocket watch and three jars of coins at rising levels</image:caption>
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  <url>
    <loc>https://tidysheets.net/blogs/guides/which-budget-planner-is-right-for-you</loc>
    <lastmod>2026-10-06T20:35:04+01:00</lastmod>
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      <image:title>Which Budget Planner Is Right for You? Our Planners Compared</image:title>
      <image:caption>Four Tidy Sheets budget planner spreadsheets side by side: monthly, zero-based, household and couples</image:caption>
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