Add blank workbook template, example rules file, and Create blank workbook button

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

README.md

@@ -16,6 +16,11 @@ mkdir -p data && cp /path/to/Bills_Tracker.xlsx data/
 AppID=money PUID=1000 PGID=1000 TZ=America/New_York docker compose up -d   # then edit the bind path in compose.yaml or symlink
 ```
 
+## Starting fresh
+`template/Bills_Tracker.template.xlsx` is a blank workbook (all tabs, formulas and charts; no data). The app's first-run screen has a
+"Create a blank workbook" button that copies it into the data folder. Then drop statements in; new payees land on the Lists tab as
+"Other / Unsorted" for you to categorize. `loader_rules.example.json` shows the private rules file format.
+
 ## Personal rules (not in git)
 Your name, card last-4 and similar live in `loader_rules.json` next to the workbook (git-ignored, not in the image):
 ```json