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Money

Your Money, Your Rules

Take back control of your budget in 30 days, without deprivation and without jargon. 4 printable sheets.

  • 30 guided days
  • 4 printable sheets
  • 108 pages
  • PDF, English
$19Read on any screen, print the fill-in pages
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Who it’s for

Anyone who wants control over their budget without deprivation and without jargon.

What you will do

  • See clearly: your real income, fixed outgoings and what slips away
  • Stop the bleeding: ghost subscriptions, everyday leaks, impulse purchases
  • Build a three-block system, an emergency fund and a debt plan, then keep it going with a monthly review

Also included

  • First-aid pages for an overdrawn month
  • Money scripts for hard conversations
  • 4 printable sheets

Look inside

Three real pages from the ebook. Tap one to open it in full size, then zoom in to read.

Table of contents

First Aid — overdrawn this monthp. 5
Introduction — why perfect budgets failp. 9
Part 1 — See clearly: the instrumentsp. 14
Workbook — how-to and logbookp. 25
Starting test — your reference pointp. 27
Phase 1 — See clearly (days 1 to 7) p. 29
  • Day 1 — The complete statement, touching nothingp. 30
  • Day 2 — Your real income, as precisely as possiblep. 31
  • Day 3 — The complete list of your fixed outgoingsp. 32
  • Day 4 — What slips away: hunting the small outgoingsp. 33
  • Day 5 — Your most expensive day of the weekp. 34
  • Day 6 — Your buying triggers, named one by onep. 35
  • Day 7 — Your baseline, set down in black and whitep. 36
Phase 2 — Stop the bleeding (days 8 to 15) p. 38
  • Day 8 — Hunting ghost subscriptionsp. 42
  • Day 9 — Debits gone through with a fine-tooth combp. 43
  • Day 10 — Everyday leaks, one by onep. 44
  • Day 11 — The cart left for 48 hoursp. 45
  • Day 12 — Saying no to a group expensep. 46
  • Day 13 — The reward purchase put through the sievep. 47
  • Day 14 — Chosen pleasure versus endured pleasurep. 48
  • Day 15 — Your first list of closed leaksp. 49
Phase 3 — Build the system (days 16 to 23) p. 51
  • Day 16 — Your own three blocksp. 60
  • Day 17 — The needs block: your base, line by linep. 61
  • Day 18 — The wants block: an official, budgeted pleasurep. 62
  • Day 19 — Paying your future first, on paydayp. 63
  • Day 20 — Your emergency fund: the first step, modest and realp. 64
  • Day 21 — Your debts on a single pagep. 65
  • Day 22 — Avalanche or snowball: your choice, datedp. 66
  • Day 23 — Payday becomes a ritualp. 67
Phase 4 — Keep it going and plan ahead (days 24 to 30) p. 69
  • Day 24 — Your first review, in twenty minutesp. 73
  • Day 25 — Talking money as a couple — or with a loved onep. 74
  • Day 26 — Your “tough month” plan, written in cold bloodp. 75
  • Day 27 — Your six-month goals, realistic and datedp. 76
  • Day 28 — Next month, already preparedp. 77
  • Day 29 — What you know how to do, nowp. 78
  • Day 30 — Review: the same instruments as on day 1p. 79
Final test — measuring the distance coveredp. 81
Money scripts — 11 prepared sentences p. 83
  • Declining a social expense, without justifying yourselfp. 84
  • Asking a creditor for a delay or a payment planp. 85
  • Talking budget as a couple, without conflictp. 86
  • Answering “you surely have a bit of money, you”p. 87
  • Declining a group purchase or a collection that is too highp. 88
  • Negotiating a bill or a subscription that is too expensivep. 89
  • The internal script: saying no to yourself, in front of the shelfp. 90
  • Asking your landlord for a postponement or a delay on rentp. 91
  • Asking for what you’re owed, calmly and in writingp. 92
The 4 printable sheets p. 94
  • Sheet 1 — Monthly budget (three blocks)p. 95
  • Sheet 2 — Debt trackerp. 96
  • Sheet 3 — Leak hunt (audit grid)p. 97
  • Sheet 4 — Monthly review (guided ritual)p. 98
After the 30 daysp. 99
Jargon-free glossaryp. 104
Annotated bibliographyp. 106
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Frequently asked questions

What format are the ebooks?

PDF, to read on a computer, tablet or phone. The fill-in pages can be printed.

Can I write directly in the PDF?

The pages have lines to fill in. Write on paper after printing, or use the annotation tool of your PDF reader.

Do the ebooks replace medical or psychological care?

No. They are practical support tools. If you are going through a very hard time, talk to a professional.

Are the ebooks in English?

Yes. Every ebook on this page is the English edition.