Playbooks, not motivational fluff.
Each ebook is a step-by-step system with worksheets and printable pages. Instant PDF download after checkout. Educational content only — not financial advice.
Five ebooks plus every printable tracker, in one checkout.
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The Quiet Wealth Playbook
Build a boring, unstoppable portfolio in 30 minutes a month
A step-by-step system for running a simple, low-cost index portfolio in about 30 minutes a month: the three-fund architecture, the automation stack, and rebalancing rules written down before you need them. Disclaimer: Educational content only. Not financial or investment advice. Investing involves risk, including loss of principal, and no return is guaranteed.
Debt-Free Blueprint
A 12-month plan to pay off five figures without eating rice and beans
A 12-month framework for paying down credit card and student debt: audit what you owe, choose between avalanche and snowball, use ready-made scripts to ask for a lower APR, and build guardrails for the weeks it gets hard. Disclaimer: Educational content only. Not financial, legal, or credit-counselling advice. Results depend on your income, rates, and circumstances, and no payoff timeline is guaranteed.
Side Hustle to Salary
A structured plan for building a nights-and-weekends project into a real income stream
A practical playbook for building a content and affiliate side project: choosing a niche, keyword research, publishing your first 25 articles, the monetization stack worth using, and the common mistakes that stall most sites. Disclaimer: Educational content only. Not financial or business advice. No income or earnings are guaranteed — outcomes depend entirely on your own effort, niche, and market conditions.
The Wedding Budget Playbook
Plan the wedding you actually want — without the debt hangover
A category-by-category system for planning a beautiful wedding without waking up in credit card debt. Includes a master budget worksheet, vendor negotiation scripts, and category caps you can adapt to your own number. Disclaimer: Educational content only. Not financial advice. Costs vary widely by region and vendor.
The FIRE Starter Guide
Calculate your number, build the savings rate, retire on your terms
Financial Independence, Retire Early — decoded without the forum-speak. Calculate your FI number in an afternoon, design a savings rate you can actually sustain, and pick the withdrawal strategy that fits your risk tolerance. Includes worksheets and three worked examples at different income levels. Disclaimer: Educational content only. Not financial, investment, or retirement advice. Projections are illustrative and no outcome is guaranteed.
The 52-Week Money Challenge Bundle
Four printable savings challenges — save $1,378 to $13,780 in a year
The classic 52-week savings challenge in four difficulty tiers, plus the weekly prompts, trackers, and reverse variant for months when money's tight. Print it, tape it to the fridge, and fill it in week by week. Disclaimer: Educational content only. Not financial advice. Totals assume you complete every deposit.
The No-Spend Challenge Guide
A 30-day reset to break impulse spending and rebuild your baseline
A structured 30-day no-spend challenge with clear rules, printable trackers, and the daily prompts that turn deprivation into curiosity. Designed to expose the leaks in your budget without turning your month into a joyless slog.
Make More With AI: The Money Tools Playbook
A practical guide to using AI to boost income, automate side work, and save hours a week
A hands-on playbook for using today's AI tools to raise your income and cut hours off financial admin — freelancers, side hustlers, and small operators only. No get-rich-quick promises, no crypto trading bots, no autopilot fantasies. Real workflows, real prompt libraries, and a candid look at what AI can and can't do for your money in 2026. Disclaimer: This ebook is for educational and informational purposes only. It is not financial, investment, tax, or legal advice. No income, earnings, or results are guaranteed — the workflows described require your own effort, judgment, and skill, and outcomes will vary widely based on your situation, market conditions, and how you apply them. Always consult a qualified professional before making financial decisions.
The 100 Envelope Challenge Kit
Save $5,050 in 100 draws — the full system, trackers, and the variations that actually finish
The complete 100 envelope challenge system: five versions scaled to real budgets, the cash-versus-digital hybrid that still earns interest, printable trackers, milestone logs, and a plan for where the $5,050 goes when you finish. Written for people who have abandoned a savings challenge before. Disclaimer: Educational content only. Not financial advice. No savings result is guaranteed.
The Budget-by-Paycheck Workbook
Budget the money you actually have, on the days you actually get paid
Monthly budgets break because money does not arrive monthly. This workbook rebuilds budgeting around your pay calendar: assign every bill to the paycheck that covers it, fund irregular annual costs on autopilot, plan the third-paycheck months, and handle freelance income with a holding account. Disclaimer: Educational content only. Not financial, tax, or legal advice.
Credit Score Quick-Start Guide
What actually moves your score, what does nothing, and how to dispute real errors yourself
A plain-English guide to how credit scoring actually works, which levers move fastest, how to pull and audit all three reports, and four ready-to-send dispute and goodwill letter templates. It covers the same steps a paid credit repair company would take on your behalf. Disclaimer: Educational content only. Simple Cents Studio is not a credit repair organization, law firm, or credit counsellor. Accurate negative information cannot be legally removed, and no score increase is promised or implied.
The Money Saving Binder Kit
A printable, paper-based system for cash envelopes, bills, sinking funds, and savings trackers
For everyone who has installed and abandoned three budgeting apps. An eight-section paper binder system with a weekly dashboard, bill calendar, paycheck pages, cash envelope logs, eleven sinking funds, colour-in savings trackers, debt payoff pages, and a monthly net worth review. Disclaimer: Educational content only. Not financial advice.
Side Hustle Tracker & Income Planner
Know your real hourly rate, reserve your taxes, and plan the income instead of hoping for it
Revenue is the least useful number in a side hustle. This planner calculates what you actually keep per hour worked, sets up the three-account structure that keeps tax money safe, and turns an income goal into a weekly task list using customers × order value × frequency. Disclaimer: Educational content only. Not tax, legal, or financial advice. No income is guaranteed. Tax rules vary by jurisdiction — consult a qualified professional.