Get control of your finances

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Take Control of Your Finances With the Financial Savvy Toolkit – Without Needing to Make More Money

Discover the proven strategies, tools, and mindset shifts to transform your financial life. This is your step-by-step guide to mastering your budget, growing your savings, and finally achieving financial freedom—all without increasing your income.

This is for your if you’re ready to:

  • Understand the importance of budgeting, and learning how to make managing you budget simple
  • Have a pre-built budget tool to use as your budget guide
  • Learn what makes a credit score and how you can improve yours
  • Connect to the “why” of your financial focus
  • Find out why goal setting is an important part of financial planning
  • Explore the emotional side of budgeting, and build strategies to stay on track
  • Create strategies for saving

With the Financial Savvy Toolkit you’ll be on the road to financial freedom

Begin your financial journey with a strong foundation and strategies from:

The Financial Savvy Course

Inside the Financial Savvy toolkit is the secret weapon of a simple budget strategy:

The Personal Finance Tracker

The Financial Savvy Course is made up of four course modules designed to build a strong foundation for your personal finances.

  • Module One: Build Your Budget
  • Module Two: Give Yourself Some Credit
  • Module Three: Find Your WHY
  • Module Four: Keep Your Eyes on the Prize

    • After you take this course you’ll be able to:

    • Identify the spending patterns that are sabotaging your financial success
    • Drill down into your core personal values and understand how they’re connected to your financial decisions
    • Develop clear financial goals and a strategy to make them a reality
    • Get access to the information and resources you need to improve your credit score
    • Work a savings plan into your budget that you’ll actually stick to
    • Make financial decisions armed with knowledge of their impact on your big financial picture
    • Build a realistic budget that aligns with your big financial picture

    The Financial Savvy Course modules set you up to embark on your financial journey with confidence

    MODULE ONE: BUILD YOUR BUDGET
    Learn how to break down your budget into categories so that you can prioritize your expenses and see the impact of your spending

    In this module you’ll …

    • Create an easy to follow budget that takes ALL your expenses into consideration
    • Track your bills against your income so you know when money is coming in and needs to go out, taking the stress out of living paycheck to paycheck
    • See how the little things you spend money on add up over the course of the month, empowering you to make smarter decisions about how you spend your money

    THE CREDIT CARD AND LOAN TRACKER

    This tool gives you a place to see the full picture of your debt by not only showing you the total you owe against all of your accounts, but by also showing you how much you’re spending on interest so you can manage your debt intelligently

    The Credit Card and Loan Tracker…

    • Shows you which accounts are really hitting you in the pocket by showing how interest rates are applied to each portion of your open balance, and giving totals for all your accounts
    • Calculates your debt to credit ratio so you have a better understanding of your credit worthiness and what’s affecting your credit score
    • Gives you the information you need before you consider debt consolidation or a balance transfer

    MODULE THREE: FIND YOUR WHY
    We’re going to cut past the superficial and get to the core of what influences the financial decisions you make every day.

    In this module you’ll …

    • Explore how your values intersect with your spending habits
    • Do a deep dive into how you make money, and at what cost
    • Pinpoint what’s really important to you, and learn about what motivates you in finances and life

    MODULE FOUR: KEEP YOUR EYES ON THE PRIZE
    In the last module we’ll clearly define your goals, walk through how to stay resilient and create a strategy to achieve them.

    In this module you’ll …

    • Understand the connection of your values to your financial goals
    • Get to the essence of the milestones you want to hit
    • See how goal setting can play out your life

    The Financial Savvy Course Modules are your foundation for financial success, and the My Finance Tracker is your tool to put what you learn into practice.

    My Finance Tracker provides a clear, comprehensive view of your personal finances. It’s your trusted guide for designing a budget you can stick to, developing a strategic savings plan, and creating an effective roadmap to becoming debt-free.

    • Are you making payments on your credit cards but the balance never seems to change?
    • Are you living paycheck to paycheck, counting the days until payday only to be broke soon after?
    • Is the fear of an unexpected expense you can’t afford hanging over your head like a dark cloud?
    • Are you financially secure but want to improve how you organize your budget?

    If you answered yes to any of these questions, the My Finance Tracker will be a game changer for you!

    Inside My Finance Tracker are 4 powerful tools:

    THE BUDGET TRACKER
    This tool gives you the structure for a monthly budget that breaks down your essential and expendable expenses, special expenses and income, and includes a worksheet that lets you see what it looks like for you as income comes in and bills are paid.

    The Budget Tracker gives you the power to …

  • Create an easy to follow budget that takes ALL your expenses into consideration
  • Track your bills against your income so you know when money is coming in and needs to go out, taking the stress out of living paycheck to paycheck
  • See how the little things you spend money on add up over the course of the month, empowering you to make smarter decisions about how you spend your money

    • THE CREDIT CARD AND LOAN TRACKER

    This tool gives you a place to see the full picture of your debt by not only showing you the total you owe against all of your accounts, but by also showing you how much you’re spending on interest so you can manage your debt intelligently

    The Credit Card and Loan Tracker…

  • Shows you which accounts are really hitting you in the pocket by showing how interest rates are applied to each portion of your open balance, and giving totals for all your accounts
  • Calculates your debt to credit ratio so you have a better understanding of your credit worthiness and what’s affecting your credit score
  • Gives you the information you need before you consider debt consolidation or a balance transfer

    • THE PAYMENT CALCULATOR

    This is the tool you need to create your plan of attack on your debt! By entering the monthly payments you’d like to make you’ll be able to see where your balance will be in 12 months WITH the impact of interest calculated automatically.

    With the Payment Calculator you will…

  • Create an initial payment strategy and update it as your ability to pay down your debt changes, all while instantly seeing the long term affect these payments make
  • Understand how much of a dent in your debt the payments you’re making each month really make after adding in the interest you’re paying, allowing you to create a plan that will get you closer to freedom from debt faster

    • THE SAVINGS TRACKER

    This is where you can see how your savings will grow over the next 24 months, and create plans for multiple savings goals.

    Get excited about Savings with this Tracker…

  • Start saving for emergencies so you can stop relying on credit cards when you face an unexpected expense
  • Create savings goals for milestones that are important for you to hit, and see what your savings plan needs to look like to reach those goals

    • My Finance Tracker is easy to use:

  • Each tool is built to guide you through a specific area of your finances in a way that’s customizable for your needs
  • There are embedded instructions at the top of each tool so that it’s easy to get started
  • The tracker is downloaded and stored where you want it, no logging in required!
  • How to videos for each tool are always available to provide any extra guidance you need

    • The Story Behind the Financial Savvy Toolkit

    While I was in college I used credit cards to fill in when the cash ran out, and this landed me under a mountain of debt. I thought I needed to increase my income to turn my situation around, but even when I started making a little more money I wasn’t seeing the impact I expected. As part of my new job I was managing a multi-million dollar construction project budget, and I was doing it well. Then one day it hit me – if I can do this at work I can do it for myself!
    I created a tracking tool similar to what I developed at work, customized for me. For the first time I could see it all in one place – bills, paychecks, credit card balances, interest – and instead of stress and frustration I had a sense of control. I had the information I needed to make better decisions that impacted every aspect of my finances. Tracking my bills and spending helped me pay down my debit, and eventually put me a position to buy my first home. I wanted to help other people who feel stuck in the same cycle of debt and spending, and that’s why I created the Financial Savvy Toolkit.

    Take the first step toward financial freedom!

    If you need more information scroll down to read the Frequently Asked Questions, or Contact Us and let us know what’s on your mind!

    Frequently Asked Questions

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    • 1. I have a pen and paper, why should I use My Finance Tracker to track my budget instead?
       

      The Budget Tracker tool inside My Finance Tracker is set up to allow you to see your budget in two important ways: in a monthly snapshot AND in alignment with how your income is realized (whether you’re paid, weekly, monthly, etc. or in any customizable way). It lets you easily make adjustments as your responsibilities change. This tracker is designed to show you what you need to know about your budget so you can start setting yourself up for financial success!

    • 2. It sounds like I have to put a lot of financial information in this tool that I don’t want anybody else to see, is this shared with anyone?
       

      In a time when most of the digital world is floating somewhere in the Cloud, this tool has it’s little feet planted right at home in your computer. The first step to using the tool is to download it to your computer, and from there you begin entering all your financial info. Of course you can back it up on the Cloud, an external drive, or wherever else you like to secure your important stuff, but that is totally up to you. Setting it up this way also gives you the opportunity to customize your tool beyond the way it’s set up for everyone to use. Once you download My Finance Tracker you can Contact Us to learn more about customization options.

    • 3. Does my computer need any special software for this tool to work?
       

      The only thing you will need is Microsoft Excel, which is available on both Mac and Windows computers. If you don’t have it on your computer just do a little Google’ing to find the right download for you.

    • 4. What if I use a Mac or a PC, will this tool work for me?
       

      This tracking tool doesn’t discriminate, it loves all computers just the same! The only requirement is that you have Microsoft Excel installed (which is available for Mac as well as Windows computers). The tutorial videos inside the Member Area take into account any differences in how you use Excel on a PC or Mac so that you can follow the instructions without confusion.

    • 5. Excel and I are not exactly best friends, does that mean using this tool is going to give me a headache?
       

      You do NOT need to be an Excel genius to use this tool, in fact you can use it even if you’ve never used Excel before…all the hard work is already done for you! Each worksheet in My Finance Tracker is color coded and keyed in with prompts telling you what information you need to enter where, so you see the big picture of your budget, debt, savings and payoff plans as everything else calculates automatically. And the introduction video in the Member Area walks you through all the Excel basics you need to know to use this tool like a pro!

    • 6. I have credit card debt and it stinks…how is this tool going to help me get this under control?
       

      Knowledge is power! You need to know how much debt you’re in and how much this debt is COSTING you every month before you can figure out how to get out of it. Once you enter a few pieces of information from your monthly statement into the Credit Card and Loan Tracker tool you will be able to get the big picture and see what you’re really dealing with. This is the information you need to get your financial plan going.

    • 7. What about my student loans, car loans, and everything else that’s not a credit card. How is this tracker going to help with that?
       

      Anything with a balance and an interest rate (or no interest rate) can be tracked with this tool. All you need is the most recent statement so you can enter a few key pieces of information, and the tool is set up to calculate the rest. The purpose of this tool is to give you the big picture of your finances – all types of debt included.

    • 8. I feel pretty good about my spending habits, but saving? Not so much! What is this tool going to do for me?
       

      Everybody needs to save for a rainy day, and the Savings Tracker tool is ready to help you do that. All you have to do is pick a savings goal and follow the prompts to see what making that goal happen looks like for you. The Budget Tracker tool helps you work your savings goals into your regular budget so you are planning for your savings success along with everything else.

    • 9. This tool sounds pretty cool, but I don’t know if it’s going to have what I really need. Can it be customized?
       

      The short answer is YES! The beauty about downloading a tool that’s built with a software pretty much everybody has on their computer is that it can be personalized to meet just about anybody’s needs. The tutorial videos in the Member Area touch on this a bit, and show that someone with minimal Excel experience can do some customization themselves. Or if messing around with little boxes in Excel isn’t your idea of a fun Saturday night it can be done for you – Contact Us to ask about customization options.

    • 10. I am making monthly payments on my credit cards and loans, but it feels like they are never going to be paid off! What can My Finance Tracker do for me?
       

      Sometimes you need to be able to see the light at the end of the tunnel, and the Payment Tracker tool was created to show you the light! Once you enter your credit card or loan balance, as well as what you are planning to pay each month, you will see where you will be this time next year. Make adjustments to your payments and see how that will affect the interest you will (or better yet won’t) pay as well as your balance in a year’s time. Knowing your goals will help motivate you to stay on track with your payments, and get you closer to financial freedom each month. Do you want to project more than a year out? Get your tool customized to show exactly what you need to plan your payoff. You can Contact Us to learn more about how get My Finance Tracker customized!