What you'll be able to do
Clear numbers. A real plan. In 30 days.
Each day takes 15 to 20 minutes. You'll go from guessing to knowing.
Know exactly where your money goes
Read your payslip, bank statements and debit orders line by line, and see your real take-home pay.
Find and fix your money leaks
Spot forgotten subscriptions, bank fees and small daily spends, and see what they cost you in a year.
Build a budget that sticks
Use 50/30/20 or zero-based budgeting, with sinking funds for school fees, vehicle licence and December.
Take control of your debt
Add your debts and the planner shows the snowball or avalanche payoff order and your debt-free date.
Save with a plan
Start an emergency fund and set savings goals, with the monthly amount worked out for you.
Built for South African life
Rands, PAYE and UIF, local credit bureaus, family support and real local costs. Not a generic overseas template.
What's inside
Two tools that work together
A guided workbook to learn and plan, and a spreadsheet that does the maths for you.
37-page printable workbook
One short lesson, one task and space to write for every one of the 30 days.
- Read your payslip, bank statement and credit card statement
- Find leaks, cancel what you don't need and see what's left
- Build your first budget, sinking funds and emergency fund
- Make a debt payoff plan and set 12-month money goals
- Week reviews and a before-and-after snapshot of your progress
PDF. Print it, or fill it in on a tablet with any PDF notes app.
10-tab budget planner
Type your numbers once and the planner updates everything for you.
- Dashboard with income, spending, left over and a 50/30/20 check
- Paycheck planner for monthly, fortnightly or weekly pay
- Bills tracker with a Paid / Unpaid status for every month
- Budget, expenses log, savings goals and sinking funds
Excel file. Works in Excel, or upload to Google Drive and open with Google Sheets. Sample numbers shown.
Bill calendar and debt tracker
See when money leaves your account, and when you'll be debt-free.
- Pick a month and see exactly which days your bills are due
- Snowball or avalanche order, with a debt-free date for each debt
- Estimated total interest, so you can see what extra payments save
Sample numbers shown. You receive a blank planner for your own budget.
How it works
From checkout to Day 1 in minutes
Buy securely
Check out in rands. It takes about a minute.
Get your download
Your link arrives by email right away. Nothing is posted to you.
Print or fill in on screen
Open the 37-page PDF workbook and start Day 1 today.
Open the planner
Use it in Excel, or upload it to Google Drive for Google Sheets.
Your 30-day roadmap
Four weeks. One clear step at a time.
Understand where you stand
Your payslip, bank statements, debit orders, credit card statements and credit report.
Track your spending
Needs vs wants, money leaks, fixed vs variable costs, and what you really have left.
Build your budget
Pick a method, set categories, plan yearly costs and start your emergency fund.
Use your money wisely
A debt payoff plan, savings goals, money traps to avoid and your 12-month plan.
Is this for you?
An honest look at who it helps
A good fit if you want to…
- See your money clearly and make a first real budget
- Understand your payslip, statements and debit orders
- Plan for yearly costs like school fees and December
- Budget together with a partner or your family
Not the right tool if you want…
- Personal financial, tax or legal advice
- Specific investment recommendations
- A physical book posted to you (this is a digital download)
Questions
Frequently asked questions
What do I receive?
You receive a download link by email straight after you pay. It contains the 37-page PDF workbook and the 10-tab budget planner spreadsheet.
Is anything posted to me?
No. This is a digital product, so nothing is shipped. You can print the workbook yourself if you like.
Do I need Excel?
The planner is an Excel file. If you don't have Excel, upload it to Google Drive and open it with Google Sheets. Everything works the same way.
How much time does it take each day?
About 15 to 20 minutes. Each day has one short lesson, one task and space to write.
Can I fill in the workbook on my phone or tablet?
Yes. Use any PDF notes app on a tablet or phone, or print it and write in it with a pencil.
Is this financial advice?
No. Everything is for education and personal organisation only. It is not personal financial, tax or legal advice. For advice about your situation, speak to a registered financial adviser.
What if a file doesn't work or I was charged twice?
Email us within 7 days of your purchase with your order number and we will fix it, replace the file or refund you. Read our refund policy for the details.
Is it only for South Africa?
It's made for South Africa. It uses rands and covers PAYE, UIF, debit orders and local credit bureaus. The budgeting ideas work anywhere, but the payslip and credit report days are written for South African readers.
Ready when you are
Start your 30 days today
Get your download link by email in minutes, and open Day 1 tonight.
Get the bundle · R 249.90Digital product. Nothing is shipped. For education only, not personal financial, tax or legal advice.