How to Simplify Your Life & Take Control of Your Home Finances
in one day
without cash envelopes or penny-pinching.
If you're an ambitious creative mama
with a deep desire to pursue your biggest dreams, then you probably already know that you need to create more space in your exhausting life (the one you spent years praying for).
So, I'll spare you the act.
No need to be a broken record and convince you of something that’s already been such a huge theme in your motherhood journey.
After all, you probably already know that simplifying your life through decluttering, organizing and time management, is the silver bullet that’ll empower you to create a surplus of space in your calendar, save money, be more present with your family, and finally feel a sense of calm in your daily life.
You probably also know that swiping that credit card like someone else’s paying for it and ignoring your "budget" (if you even have one) is a fast track ticket to the land of "never gonna catch a break."
And FFS, you really need a break ...
here are a few things you might not know ...
Even if the donation center guy knows your name, you’ve managed to (mostly) tame the kid’s toys, and brain dumping is your self-care … decluttering your life through money management can:
Eliminate Clutter Before It Even Starts
Even if your superpower is getting rid of the clutter in your home, getting control of your money is the best, and most efficient, way to stop it from coming back in. This result alone pays dividends in money AND your precious time.
Enable You to Ask for (& Actually Receive) Help
Ever tried to delegate a task that makes sense only in your mind? Yea, no. Enter martyr mama who does way more than her fair share (& makes sure everyone knows it). Bringing clarity and organization to your money management will raise the likelihood that you’ll be able to get help without the dreaded boomerang effect (“honey, how am I supposed to do this again??”)!
Instantly Increase the Likelihood of Reaching Big Goals
The simple act of achieving visibility & control of your money, and investing your precious time tending to it, will instantly shift you into a forecasting & planning mode while creating accountability for your actions. Say “goodbye” to the days of reacting to your unintentional money choices and kicking the can further down the road.
Impact Your Entire Life’s Success
Well beyond decluttering your mind and space, taking control of your money has the potential to be the catalyst that encourages positive habit formation in every single corner of your home & life. James Clear, author of Atomic Habits, says “Every action you take is a vote for the type of person you wish to become.” By taking control of your money, you’re voting for the BEST of your future self, and every step forward is another vote of the same.
Even though the motivations to get organized and intentional with your money are clear, the path to actually doing it sustainably is anything but.
"Declutter My Money, Declutter My Life? I Like it ..."
"but where the heck do I even start?! "
Maybe you’ve already crossed this bridge once before in a moment of excitement and total clarity.
"Well, I guess we need a budget!"
So you opened up a fresh spreadsheet, got to work on the perfect color-coding system, killed some extra time picking the perfect font, and organized everything you found in your bank and credit card statements.
If you got really fired up, maybe you even phoned that cable company to (kindly) demand some cash $$ back … only to discover a fresh hole burnt in your pocket with expensive take-out on the dinner table later that night.
But even with the best of intentions, most inspired budgeters end up abandoning that fancy spreadsheet or “helpful” app at the first sign of “too much effort, too little reward,” leaving their good intentions & financial dreams behind in the slow lane towards success. Byeeeeeeee, summer sand, surf, & salt water taffy trip to OBX.
Here's why most well-intentioned household finance managers abandon the effort:
Without a rock solid, step-by-step, back to basics financial management system, most would-be money masters get completely lost in the complexities and lack of relevance in a "traditional" basic budget.
They succumb to the pile of paper clutter that never seems to end, the constant export of hard-earned cash to all those (probably too high) expenses, and focus on future income which, despite best efforts, results in hardly any leftover cash for savings (and isn't even all that guaranteed right now)!
... Doesn’t sound like a simplified life to me ...
As a busy mama with a full-time job (motherhood counts), meals to plan, laundry to clean, a family to love on, and maybe even a side-hustle dream on the back-burner, you literally have NO TIME to waste on unproductive, futile efforts towards your goals to simplify.
Moms who work full-time spend an average of 21 hours per week on housework (source) and it's no wonder there’s nothing leftover in the tank at the end of the day. HELP!
Gaining control of your money is the one thing you need to nail if you truly desire a simplified life.
A simplified life does NOT involve 21 freakin' hours of housework per week. GOOD LORD.
And luckily for you, there’s no such thing as showing up late to the party.
In other words, today’s the day you get to opt IN to a life of simplicity, purpose and abundance with this first step towards intentional money management.
That is … if you can avoid the trap of diving right into a cookie cutter, traditional spreadsheet budget that makes sense only to single college kids with zero responsibilities, complex commitments or a long-term plan.
The 4 Key Reasons Why Most Budgets Fail
(and how to ensure yours won't!)
viewing a budget as "just a budget"
Creating a budget isn’t all that difficult. But creating a meaningful and realistic financial plan aligned to your life’s goals? That’s not only hard, deep work, but it’s the only effort that’ll bring you up to bat in life instead of settling for the bleacher seats.
Most people entering the realm of money management make this one key mistake: they treat their budget as a rite of “adulting,” then forget to tie it to their greater purpose. But the thing is, you can’t treat the budgeting process like a “chore.”
It’s THE ONE most valuable vehicle you have, when done right, to simplify your life in a way that impacts your time & money in life-changing ways.
It’s time to respect your budget for what it is … a first-class ticket to the life of your dreams.
Expecting a quick result
It’s human nature to expect a quick result. We’re pretty dang impatient now, aren’t we?
When it comes to budgeting, it’s no wonder why the lack of an overnight increase in our savings account might strip the sparkle out of budgeting for a while. Ever eaten healthy for a week, felt proud and excited that it was pretty easy, then lost all that energy when it didn’t change the scale AT ALL?
Budgeting can be just like that if the long-term commitment and vision isn’t locked & loaded out of the gate.
Most people who let the lack of a quick result derail them are likely also guilty of #1. But expecting a quick result in anything is a one-way ticket past missed opportunities.
The best budgeting method is sustainable for the long haul.
It’s time to prioritize the marathon over the sprint.
Assuming success is possible with a "set it & forget it" mentality
Automating is one of the most helpful productivity hacks around, but there are some things that just can’t be done this way right out of the gate.
So many people jump directly to automation (because, productivity!) and forget to spend a moment with a critical eye on the expense itself. Does it even belong? Can it be lowered? Consolidated? Would I save money if I prepaid in full? These questions never get asked in the land of automation.
Can you think of an expense you’ve paid waaaaay longer than you should have because it was automated? We’ve all got (at least) one.
Automation is an amazing tool when used with intention (& I've got you covered here too if this is your end goal).
it’s time to be the active director of success in our lives & stop leaving it all up to chance.
Treating a failure of one as a failure of all
Progress over perfection. This is an absolute truth in all things, but it’s not always so easy to implement.
In reality, we want to be the best. We want to reach goals that have been pursued with vigor and excitement. And we want it to be successful! So when one little thing goes wrong, it’s so easy to justify why the whole effort won’t work. It’s also easy to throw in the towel and move onto something shinier when this happens.
But, friend … perfection is just another form of procrastination.
When it comes to budgeting, it’ll NEVER be perfect. But you miss 100% of the shots you don’t take (says the great Wayne Gretzky) and all you need is a more effective system that highlights your bigger picture and regularly keeps you accountable.
It’s time to choose persistence & learn from those imperfect opportunities (not failures!) in favor of the big picture!
It’s obvious that home finance and budgeting tips & tricks are plentiful.
There are SO MANY options to tap into for inspiration on this journey.
Heck, just head back to that spreadsheet to see if it’ll work differently this time around.
It’s really NOT that hard to start a budget.
The real challenge is developing a budget the RIGHT way.
The sustainable way.
the way meant just for you.
As long as you can avoid the main pitfalls of most budgeters, the path is paved for you to create a sustainable and effective budget.
One that supports you in pursuit of your wildest, most exciting dreams, simplifying your entire life, and even improving communication in your family like never before!
The secret sauce to all of these amazing benefits is a tangible, simplified budget binder system.
And with your permission, that’s what I’d LOVE to show you how to create!
introducing the
The Home Finance Binder System is a Playbook & Home Finance Template Tracking System that'll lead you from cluttered financial records & piles of paperwork to a fully organized, smooth-sailing bill & budget binder system …
and how to maintain it long term, too!
I’ve taken everything I’ve learned from over a decade of managing both my own family’s home finances and those of multi million-dollar companies in my corporate career and channeled it into a simplified, 4-phase implementation system that not only teaches you high-level strategy, but also how to execute AND maintain the system long-term.
The Home Finance Binder System isn’t so much a budget program as it is a declutter your mind & simplify your life program.
You’ll learn the strategies and benefits behind every step you’ll take, but more importantly, you’ll have a detailed, A-to-Z framework that leaves nothing to chance and ensures you’ll get this right the FIRST time.
Zero minutes wasted.
The End Result: A tangible, perfectly organized Home Finance Binder with 100% clarity on your expenses and a rock-solid budget framework customized to you.
Oh, and did I mention the marching orders for maintaining your efforts long-term, too?
The Home Finance Binder System is the ONLY program of its kind that …
Treats a Budget like the Superstar that it is!
Enough with the budget shaming. We love budgets! It’s the best way to give each of our hard-earned dollars an intentional job to work FOR us, not against us. But don’t worry, penny-pinching is not a requirement for successful budgeting.
Simple is key and every bit of your budget is customized to YOU.
Focuses on the Sustainable Long-Game
We layer each phase on top of the prior one so that there are no weak links in your home finance tracking.
You’ll graduate quickly from the basics, but the skills you’ll learn will carry you through this process for years to come (& into more advanced strategies, too!).
Empowers You with the Director’s Chair
While automating some of your financial tasks is a great way to improve future productivity, we’re first ditching the “set it and forget it” mentality to take charge of your financial decisions.
We'll totally come back to (intentional) automation, but ownership of your financial decisions comes first.
Prioritizes Progress Over Perfection
With a crystal clear “why” in this process, mistakes and “setbacks” have zero opportunity to take hold. And even if they do occur, there are built-in fail safes.
So pick yourself up, dust yourself off, and re-calibrate without fear.
Tomorrow is a new day!
Here’s How You'll finally take control of your home finances:
The Home Finance Binder System consists of 4 simple phases. All course materials, including PDFs, worksheets, checklists, and more are available to access in the password-protected online Member’s Area.
phase 1 | declutter & organize your finances
Every sustainable process begins with a reset.
In this Phase, you’ll focus on decluttering and organizing the state of your finances so that every step forward is focused on the future.
I’ll guide you through:
- Choosing the right supplies for your binder so you’re not wasting time or money overthinking this super basic step.
- Labeling your tabs & printing the exact worksheets you’ll need during the next few phases.
- Organizing your financial paperwork into an easy-to-locate stack for quick reference.
- Abstracting information from your financial statements onto a summary worksheet that’ll save you time in the process going forward.
- Determining whether to keep or discard your paperwork, and what to do with the discard pile.
By the end of this Phase, you’ll have a fresh home finance binder (eager to be filled up with your financial plans!), impeccably organized paperwork, and a completed summary sheet ready to carry on to the next phase.
By the end of this Phase, you’ll have a fresh home finance binder (eager to be filled up with your financial plans!), impeccably organized paperwork, and a completed summary sheet ready to carry on to the next phase.
Phase 2 | Highlight Your Current Expense Commitments
We can’t know where we’re going without first knowing where we’ve been.
In this Phase, you’ll Fairy Godmother your financial tracking from rags to riches. We’ll turn what was previously just a brain dump of expenses and transform it into a clear schedule for paying bills & forecasting.
I’ll guide you through:
- Transferring your list of expenses from the Phase 1 summary worksheet into a time-ordered schedule, split by payment type and frequency.
- Completing a bill schedule for your checking account and any master credit cards that’ll act as the baseline reference for your expenses going forward.
- Building your first monthly income & bill payment calendar that’ll ensure effective financial management and on-time bill payments.
By the end of this Phase, you’ll have a baseline list of expenses (ready for the hammer in Phase 3) and complete clarity on your existing commitments.
By the end of this Phase, you’ll have a baseline list of expenses (ready for the hammer in Phase 3) and complete clarity on your existing commitments.
Phase 3 | Set Your Budget Intentions & Solidify A Plan
Dreams don’t work unless you do.
Now that you’ve reached a baseline understanding of your current commitments, in this Phase, you’ll analyze every last expense to get crystal clear on its purpose in your budget and within your "why."
I’ll guide you through:
- Reassessing your “why” and confirming your top money goals.
- Scrubbing your list of expenses to gain clarity on its value in your budget.
- Ideas to navigate potential course corrections in your budget.
- Developing a meaningful budget for YOU, and only you.
- Shifting your mindset on cash and when to “pay your future self” with long-term savings.
By the end of this Phase, you’ll have a personalized, rock-solid budget ready to implement (and hopefully your first savings deposit, hot for transfer, too).
By the end of this Phase, you’ll have a personalized, rock-solid budget ready to implement (and hopefully your first savings deposit, hot for transfer, too).
Phase 4 | Maintain Your Home Finance System
You’ve done the hard work to get here, now keep it up!
In this Phase, you’ll feel empowered to tend to your hard work for the long-haul with a series of checklists and guidelines to stay the course.
I’ll guide you through:
- Scheduling your weekly financial dates on the calendar (& explaining why they need to be weekly).
- Exactly what steps to take at each weekly and monthly home finance meeting.
- Ideas and other ways to enhance the Home Finance Binder System for increased productivity (while maintaining the hands ON approach that makes such a difference here).
By the end of this Phase, you’ll be a rockstar money manager ready to spread her wings and fly the nest. You’ll have detailed marching orders so you never feel unsupported. The sky's truly the limit!
By the end of this Phase, you’ll be a rockstar money manager ready to spread her wings and fly the nest. You’ll have detailed marching orders so you never feel unsupported. The sky's truly the limit!
Go from cluttered papers to an organized financial system
in just a few hours!
"OK, I'm in, but How does this work?!"
HOP
You were ready to hop aboard the simplified life train YESTERDAY, so let’s not wait one moment longer.
Click any purple button (like the pretty one directly below) to see the offer details STAT. Click the "YES! I NEED THIS" button from there to head straight to checkout.
From there, roll into your inbox for all the access details into the private Member’s Area.
skip
Well, don’t actually skip any of the modules, which are all available for you as soon as you login.
The Home Finance Binder System is totally binge-worthy and if you’ve got the entire day to spare (LOL #momlife), it’s within your reach to get this done.
Can't dive in right away? No worries. You've got lifetime access.
jump
Jump forward a month and your future self will be thanking the super smart, ready for action & results woman you are today.
You’ll finally have your home finances in order and be well on your way to that simplified life. Depending on how quickly you're able to turn things around, you might even already be seeing an upswing in your savings account.
What's on the bucket list?!
Let's take a quick peek inside the
INVEST IN the Best
Home Finance Organization System
... AND simplify your life today.
4-Phase Organization & Budget Workshop (Valued at $147)13 Home Finance Trackers (Valued at $97)2022 Monthly Calendar Worksheets (Valued at $37)BONUS | Financial Goal Guide (Valued at $37)BONUS | Gift, Wish & Donation Trackers (Valued at $17)BONUS | Finance Tracker Design Library (Valued at $97)Total Value = $432
I'd normally charge $147 for this, but ...
today's price = $37!
^^ not a typo!
Did ya catch that?
DID YA CATCH THE BONUSES?!
The Home Finance Binder System is packed with everything you need to simplify & declutter your life through money management.
You’re good if that’s all you're looking for right now.
however
I don’t want you to miss the bigger picture when it comes to your finances.
I want MORE for you than just a few bills paid on time & a regular deposit to savings.
That’s why, in addition to the entire Home Finance Binder System, I’m also including three bonuses that’ll help you nail your home finance game.
BONUS one
Financial Goal Guide
This comprehensive goal guide will pull your financial vision into actionable strategies and start you on the path to building wealth. Today's main goal is to get organized and clear your mind. Tomorrow's ... ?
The Financial Goal Guide will help you get there.
BONUS two
Gift List, Wish List & Donation Trackers
When you need ‘em, you need ‘em. Simple and consistent alongside your HFBS trackers. Perfect for planning ahead and investing in your future self … you know, the one who’s definitely going to wish she did some planning ahead for the holidays when they roll around.
Investing in your future sanity, Hallelujah, AMEN!
BONUS three
Finance Tracker Design Library
Wish you had design options on the worksheets? Don’t sweat it. I’ve got ya covered! There’s a library with 3 total choices for each tracker type and I’m not opposed to adding more designs down the road.
Let your creativity run free, mama!
It's time for a lil’ heart-to-heart
(I’d totally be down here still contemplating, too)
Yes. You could keep trying to make that spreadsheet work, go on a “spend freeze” every once in a while, and continue to look surprised when the credit card bill only drops while under quarantine (did that happen to you, too?!!)
Or, you could take intentional action to ACTUALLY simplify your life today.
You could graduate beyond overspent budgets and “surprise” clutter creep in your home … and finally take control of your money in a way that brings clarity to your mind and a full stop to overwhelm in your life.
This exact system changed our lives in 2014 when I formed it out of the exact same need that you have today.
Let’s take the leap to simplify and get you on the path forward to your dreams.
INVEST IN the Best
Home Finance Organization System
... AND simplify your life today.
4-Phase Organization & Budget Workshop (Valued at $147)13 Home Finance Trackers (Valued at $97)2022 Monthly Calendar Worksheets (Valued at $37)BONUS | Financial Goal Guide (Valued at $37)BONUS | Gift, Wish & Donation Trackers (Valued at $17)BONUS | Finance Tracker Design Library (Valued at $97)Total Value = $432
I'd normally charge $147 for this, but ...
today's price = $37!
^^ not a typo!
There’s literally NO risk involved here, because you’re covered by my 14-day money-back guarantee.
Don’t worry about spending money on something you could have found for free on Pinterest (but FYI: nothing this comprehensive exists on Pinterest!). The value this Home Finance Binder System brings to you and your family is second to none. Once you’ve implemented the system, you’ll be so glad you didn’t wait.
That’s why I’m offering a 14-day money-back guarantee. While I’m unable to guarantee that the Home Finance Binder System will create wealth for you in the long run (that’s all you, lady!), I can guarantee your satisfaction with the quality of this program and all the included templates and bonuses.
Not only that, but I KNOW you’ll feel such a sense of relief when your home finance system is organized.
But the bottom line is, if you’re not happy with the Home Finance Binder System, I’ll buy it back from you within 14 days of your purchase.
hey there, I'm jessica!
Your Productivity & Systems Strategist
I’m a 30-something wife & mama of two on the path towards financial independence as part of our family’s journey to simplify our entire life and ultimately, do less.
It’s been 6+ years since we started this journey with the Home Finance Binder System as our home base.
With it, my husband and I have been able to:
- Pay off 100% of our student loans.
- Buy a beautiful, right-sized home with a very low mortgage interest rate.
- Pay off our first car, and intentionally finance a 2nd car at 0%, while quickly increasing our cash cushion every single month!
- Gut & remodel our master bathroom with cash.
- Consistently maintain a credit score of over 800 (even hitting 850 at one point - didn’t even know that was possible)!
We worked hard to make financial decisions over the years that served our goals in life and the Home Finance Binder System was always there to bring us back to center.
And it’s also been there for over 500 eager families (via the ol’ Etsy shop, R.I.P.)!
How about you? Are you ready to dive in and pave the way towards a fresh & rewarding future?
INVEST IN the Best
Home Finance Organization System
... AND simplify your life today.
4-Phase Organization & Budget Workshop (Valued at $147)13 Home Finance Trackers (Valued at $97)2022 Monthly Calendar Worksheets (Valued at $37)BONUS | Financial Goal Guide (Valued at $37)BONUS | Gift, Wish & Donation Trackers (Valued at $17)BONUS | Finance Tracker Design Library (Valued at $97)Total Value = $432
I'd normally charge $147 for this, but ...
today's price = $37!
^^ not a typo!
What our most successful mamas asked
before enrolling in the Home Finance Binder System:
The Home Finance Binder System is PERFECT for you if:
You’re new to this whole “intentional life” thing and want to get it right straight outta the gate by controlling your spending (clutter doesn’t creep when it isn’t purchased!).
You’ve been tinkering with spreadsheets and budgeting apps in the hope that something will finally work and you’ll find yourself on the road to a simplified life. But alas, you’re stuck in yet another month of blown-budget-land and you just need to fix this once and for all.
You’re already well on top of your bills and feel pretty good about your overall budget (without the surprises). You’ll likely fly through the process, quickly achieving task completion wins, and still end up with an amazing home base binder at the end. In other words, you don’t have to be in dire need of an overhaul to benefit from the HFBS!
You have no problem slowing down to speed up. The most sustainable systems involve reflection, and you’re no stranger to reflection. Even if it means a temporary slow down, you’re willing to put in the work to get to the other side.
You’re ALREADY investing time & energy doing things like setting financial goals, paying bills, budgeting (kinda), assessing the credit card bill, and maybe reaching your savings goals (twice as long as you thought it would take you). The issue isn’t what you’re doing, it’s how you’re doing it! Without a clear strategy and cohesive system, you’ll be spending twice as much time doing twice as much work with half the results.
You’re worried that the only way to save might be to earn more money. You know that there’s only two ways to create margin in your budget - increase income or decrease spending. It’s reasonable to think you can’t possibly decrease your spending any further, but you’ll likely find that isn’t the case. And you won’t have to penny-pinch to make it happen.
You’re fully in-tune to the amazing benefits once you’ve unlocked the doors to a simplified life. You know … stress-free vacations, fully present family time, plenty of space for creativity, maybe some baby book catch-up, and TONS of time for true self-care.
You’re excited to finally have your finances consolidated in ONE place. Mental clarity can be yours tomorrow with a focused binge-effort today. You're SO CLOSE.
You’re 100% on board to adopt a growth mindset and take action to organize your home finances, knowing you have 14 days to try it out. It’s simple. Either you do the work and experience a renewed sense of clarity in your home finances within 14 days, or you reach out and we roll back the game plan.
If you took that pink highlighter to Any of these statements,
then I'll SEE YOU inside the Home Finance Binder System!
In just one month, you’ll be thanking yourself for making the decision that TODAY is the day to take action towards a simplified life. Let's do this!
INVEST IN the Best
Home Finance Organization System
... AND simplify your life today.
4-Phase Organization & Budget Workshop (Valued at $147)13 Home Finance Trackers (Valued at $97)2022 Monthly Calendar Worksheets (Valued at $37)BONUS | Financial Goal Guide (Valued at $37)BONUS | Gift, Wish & Donation Trackers (Valued at $17)BONUS | Finance Tracker Design Library (Valued at $97)Total Value = $432
I'd normally charge $147 for this, but ...
today's price = $37!
^^ not a typo!