Free Downloads
The Twelve Worksheets
Every worksheet from the book — free to download, print, and use. Grab them one at a time, or take the complete workbook in a single PDF.
Prefer to track digitally? The free Spending Tracker web app turns Worksheet 1 into a tool you can use on your phone or computer.
Want all twelve in one file?
The complete workbook combines every worksheet into a single PDF — ready to print front-to-back.