Stop wondering where your paycheck went.
A 51-page guide to build a budget, a safety net and a plan out of debt, in about 15 minutes a day.
Digital download, so all sales are final. See real pages below before you buy.
Designed to be read on a tired Tuesday
Short chapters, clear charts and one next step at the end of each one. Swipe through real pages.
Payday feels fine. Then the money starts to disappear.
By the last week of the month you're checking your balance before every purchase and hoping nothing goes wrong.
That isn't a sign you're bad with money. It means your money doesn't have a plan yet. Most of us were never taught how to make one. This guide teaches it one small step at a time, without giving up everything you enjoy.
Seven things most people never set up
Every item comes with a worked example and a worksheet. Your results depend on your situation, so we show you the method instead of promising a number.
What comes in, what goes out, in 20 minutes.
Every euro gets a job before the month starts.
Bills matched to paydays, transfers on autopilot.
Birthdays and car repairs stop being surprises.
The first step so the next crisis doesn't go on a card.
Snowball or avalanche, with real numbers compared.
15 minutes that keep the whole plan working.
Help for irregular income, couples and saying no.
One week, one focus
See your money clearly
- The 20-minute snapshot
- Where it actually went
- Why we spend
Give every euro a job
- Zero-based budget
- Paycheck plan
- Sinking funds and groceries
Build your safety net
- Emergency fund
- Debt plan
- Irregular income
Make it stick
- Subscription audit
- Envelopes and pots
- Money talks and a weekly habit
Follow four people like you
Composite examples, not real people, with numbers kept simple so the method is easy to see.
Single, €2,800 a month, three debts, nothing left at month's end.
Freelancer whose income swings from €1,900 to €4,200.
Single parent of two. Every school trip is a scramble.
New couple, different incomes, the same tense talk.
This is for you if
- ✓You earn money but it disappears before the month ends
- ✓You want a simple plan, not a finance degree
- ✓Your income is steady or changes month to month
- ✓You can spare about 15 minutes a day for 30 days
It's not for you if
- !You want investing or stock-picking advice
- !You're facing collections or legal action. Please contact a free debt advice service first
- !You're looking for a get-rich-quick method
Add the Paycheck Planner
The book's worksheets as a ready-made spreadsheet and 14 printable pages. It adds up your budget, orders your debts and shows when your emergency fund is full.
"One clear, kind guide that shows you exactly what to do next, with real numbers, and without making you feel bad about where you're starting."
The Small Wins promise
Before you buy
What exactly do I get?
A 51-page PDF ebook you can read on your phone, tablet or computer, or print. The download link arrives by email right after checkout.
Does it work in my country?
Yes. The method works in any currency. Examples use euros. Rules on tax, benefits and debt differ between countries, so the guide points you to local free advice where it matters.
Is this financial advice?
No. It's general education about budgeting and money habits. It won't tell you what to invest in, and it isn't personal financial, legal or tax advice.
Can I get a refund?
Because the guide is an instant digital download, all sales are final. At checkout you agree to receive it straight away, which ends the usual 14-day withdrawal period for digital content. That's why we show real pages above and say clearly who it's for and who it isn't for. If your download doesn't work, email us and we'll fix it.
I'm terrible with money. Will I keep up?
It was written for exactly that feeling. Each day asks for about 15 minutes, and there are rest days built in. If you fall off, the last chapter shows how to restart in 20 minutes.
Your first small win
starts today.
Download the guide, set a 20-minute timer, and do the money snapshot tonight.