Shop: simple tools for tight months
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Budget Starter
A simple monthly budget that shows what's left after bills and which bills to pay from each paycheck. Free forever.
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The Hard Month Kit
A 9-page printable kit for when there isn't enough to pay everything: a bill priority worksheet, a 30-day cash plan, 6 call scripts (landlord, power, medical, credit card, car loan, phone), a call log, a hardship letter template and a checklist of money you may be owed.
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Cash Envelope & Savings Kit
A 15-page printable kit: 12 cash envelopes with spending logs, savings challenges sized for tight budgets ($100 in 30 days, $500 in 26 weeks, a $1,000 emergency fund), a sinking funds tracker, a monthly bill tracker and a 30-day no-spend challenge.
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Debt Freedom Planner
A spreadsheet that shows your debt-free date, compares Snowball and Avalanche, matches bills to paychecks, tracks spending, sets an emergency fund goal and includes a 12-month credit rebuild plan with a dispute letter.
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