Most money advice assumes you already have a spare hour and a spreadsheet habit. This one assumes you have thirty seconds and a phone. Give us an email address and we'll send it over — free, no card, nothing to install.
One email with your download link. The link works for 7 days.
Chapter 2
A reader tracked every expense for one month and found $340 she had no memory of spending. Not a disaster — just eleven small things she'd stopped noticing. The chapter walks through how she found it, and how to run the same check on your own month.
Chapter 5
The rule assumes your rent is negotiable. For a lot of people it is not. This chapter shows how to adapt the split when your needs already take 65% — and what to do about the remaining 35% so the plan survives contact with real life.
Chapter 9
One method saves more money. The other is the one people complete. The chapter shows the real interest difference on typical balances, so you can pick with the number in front of you rather than on principle.
The worksheets in chapters 4, 5 and 7 each have a free calculator on this site. No email needed for any of them.
Chapter 11 is about doing this daily without it becoming a chore. That's what Safe Spend is for — thirty seconds a day, no bank login.
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