{"product_id":"n8n-telegram-alerts-50-30-20-google-sheets-budget-monitor","title":"n8n Telegram Alerts: 50\/30\/20 Google Sheets Budget Monitor","description":"\u003ch3\u003eGet instant Telegram alerts when your 50\/30\/20 Google Sheets budget goes off track\u003c\/h3\u003e\n\u003cp\u003eThis n8n workflow monitors your Google Sheets Transactions budget, recalculates monthly totals for Needs\/Wants\/Savings, and sends a Telegram message the moment any category exceeds its target share based on the 50\/30\/20 rule.\u003c\/p\u003e\n\n\u003ch3\u003eWhat this workflow does\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cb\u003eTriggers on new transactions:\u003c\/b\u003e It runs whenever a new row is added to the \u003cb\u003eTransactions\u003c\/b\u003e sheet (polled every minute).\u003c\/li\u003e\n  \u003cli\u003e\n\u003cb\u003eRecalculates current-month spend:\u003c\/b\u003e It reads all rows from the \u003cb\u003eTransactions\u003c\/b\u003e tab and filters to the current month using the \u003cb\u003eAmerica\/Chicago\u003c\/b\u003e timezone.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cb\u003eExcludes income movement rows:\u003c\/b\u003e Rows marked as \u003cb\u003eIncome\u003c\/b\u003e and \u003cb\u003eTransfer\u003c\/b\u003e are excluded from the budget calculations.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cb\u003eComputes 50\/30\/20 totals and percentages:\u003c\/b\u003e For each bucket (\u003cb\u003eNeeds\u003c\/b\u003e, \u003cb\u003eWants\u003c\/b\u003e, \u003cb\u003eSavings\u003c\/b\u003e), it totals spending, calculates each bucket’s actual percentage, and flags whether it’s \u003cb\u003eover target\u003c\/b\u003e.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cb\u003eLogs results in Google Sheets:\u003c\/b\u003e It appends one summary row per bucket to a \u003cb\u003eSummary\u003c\/b\u003e tab (date, bucket, actual, target %, actual %, and over).\u003c\/li\u003e\n  \u003cli\u003e\n\u003cb\u003eAlerts via Telegram only when needed:\u003c\/b\u003e It builds a Telegram message listing any buckets over target and includes the rounded total spend—then sends it to your configured chat \u003cb\u003eonly if at least one bucket is over target\u003c\/b\u003e.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eUse cases\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eBudget accountability: receive immediate \u003cb\u003eTelegram notifications\u003c\/b\u003e when spending breaks your Needs\/Wants\/Savings limits.\u003c\/li\u003e\n  \u003cli\u003ePersonal finance automation: keep a live \u003cb\u003eGoogle Sheets\u003c\/b\u003e budget summary synced with your transactions.\u003c\/li\u003e\n  \u003cli\u003eOps-style budgeting: SaaS operators can monitor recurring spending categories with consistent rules and alerts.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eTechnical details\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cb\u003en8n nodes:\u003c\/b\u003e Google Sheets Trigger, Google Sheets (read\/append), \u003cb\u003eCode\u003c\/b\u003e, \u003cb\u003eif\u003c\/b\u003e, \u003cb\u003eTelegram\u003c\/b\u003e, and \u003cb\u003eSticky Note\u003c\/b\u003e.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cb\u003eRequirements:\u003c\/b\u003e A Google Sheets file with a \u003cb\u003eTransactions\u003c\/b\u003e tab containing columns for \u003cb\u003eDate\u003c\/b\u003e, \u003cb\u003eDescription\u003c\/b\u003e, \u003cb\u003eBucket\u003c\/b\u003e, \u003cb\u003eCategory\u003c\/b\u003e, and \u003cb\u003eAmount\u003c\/b\u003e, plus a \u003cb\u003eSummary\u003c\/b\u003e tab for appended results.\u003c\/li\u003e\n  \u003cli\u003e\n\u003cb\u003eSetup:\u003c\/b\u003e Configure Google Sheets OAuth credentials, then set the spreadsheet ID and sheet names in the trigger, read, and append steps.\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"N8N Commerce","offers":[{"title":"Default Title","offer_id":45917674209459,"sku":"N8N-18853","price":32.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0749\/6279\/6723\/files\/vJYIIT2dey64txbJbLCsT_nABHzrym.png?v=1788080526","url":"https:\/\/buyflowscripts.com\/products\/n8n-telegram-alerts-50-30-20-google-sheets-budget-monitor","provider":"N8N Commerce","version":"1.0","type":"link"}