The Christmas Fund Planner
The Debt-Free Countdown — Snowball & Avalanche Debt Payoff Calculator with Your Exact Payoff Date (Excel + Google Sheets)
The Emergency Fund Builder — $0 to 6 Months of Cover: Paycheck Autopilot, Milestone Tracker & Fund Rules (Excel + Google Sheets)
The Full Ritual Stack — System + Debt Countdown + Subscription Audit + Emergency Fund (Excel + Google Sheets)
The No-Spend Challenge Kit — 30-Day No-Spend Tracker with Streaks, Urge Log & Savings Payout Plan (Excel + Google Sheets)
The Payday Ritual System — 2026/2027 Edition
The Side-Hustle Profit Tracker — Income, Expense & Mileage Log with True Hourly Rate & Tax Set-Aside Calculator (Excel + Google Sheets)
The Subscription Audit Kit — Find, Cut & Negotiate Every Recurring Charge (Excel + Google Sheets)
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