Budgeting template
Business owner
Owners who mix personal cashflow with business draws.
Sample income: Fixed owner draw + variable surplus
Living
40%
Savings
40%
Chop Life
20%
Separate business and personal. Put a consistent personal draw into Living / Savings / Chop Life. Surplus goes to emergency and goal jars — not silent lifestyle creep.
Rent jar
Pay yourself a fixed personal draw into Orjar first. Business rent stays in the business books.