One decision can pay for the kit · 12 worksheets
The Household Savings Audit & Decision Kit
- A savings audit that walks 37 of the site's calculators by category
- 12 fill-in worksheets, 32 print pages, 2 filled-in examples
- 30/60/90-day plan, savings log and a spreadsheet that totals the year
- Plus a bonus monthly budget planner workbook (3 files)
30-day money-back guarantee. Every dollar back if it doesn't help.
One decision can pay for the kit. For example, at its default inputs this site's subscription calculator finds $432 a year in rarely used subscriptions ($120 a month, 30% rarely used). Cancelling a single $10-a-month service is $120 a year, five times the $24 price. Results vary with your own numbers; that is an example, not a promise.
Find the money leaking out of your household budget, decide every big purchase on its total cost instead of its sticker price, and keep a log that shows what each decision saved.
Replaces a budgeting app you stopped opening, statements nobody audits, and big purchases decided on the sticker price.
Look inside
Real pages from the PDF downloaded after checkout, including both filled-in examples.
What's in it
See all 12 worksheet titles
- Household Money At A Glance
- 30/60/90-Day Savings Action Plan
- Subscription & Recurring Bill Tracker
- Household Savings Audit, Part 1
- Household Savings Audit, Part 2
- Decision Framework Sheet
- Big Purchase Decision Sheet
- Food & Grocery Savings Plan
- Car & Commute Cost Sheet
- Insurance & Policy Review
- Savings Log
- Quarterly Savings Review & Kit Payback
Also included
- 2 filled-in example worksheets. Subscription & Recurring Bill Tracker and Big Purchase Decision Sheet, worked through with clearly labeled hypothetical numbers, so a finished page is visible before starting one.
- 1 bonus printable. Savings Quick-Reference Card: The four formulas, where charges hide, and the waiting rule, for the fridge door
- 1 companion spreadsheet. A subscription tracker that works out cost per use and the yearly saving from each cancel or downgrade, a savings log, an annual summary that totals the log by category, and a big purchase calculator for total cost, break-even and opportunity cost. Tabs: Subscriptions, Savings Log, Annual Summary, Big Purchase.
- 1 bonus monthly budget planner (3 files). Monthly Budget Planner (blank): A budget workbook with 12 monthly tabs, each with income, bills, spending and savings lines, planned against actual, and a yearly summary with three charts. Works in Excel, Google Sheets and Numbers. Monthly Budget Planner (filled-in example): The same workbook with ten months of sample entries, so you can see it working before you start. How to Open a Spreadsheet in Google Sheets (2 pages): A step-by-step guide to opening the .xlsx files in free Google Sheets, plus Excel, Numbers and phone tips.
- 1 start-here page. The four sheets to fill in the first 20 minutes, and which sheet to reach for when.
- 1 online buyer guide. The savings tools the site's calculators recommend, in three budget tiers with Amazon links, kept current on this site.
Plus the online buyer guide
The savings tools the site's calculators already recommend, in three budget tiers with Amazon links, kept current on this site.
Who it's for
- Anyone who has run a calculator here, liked the answer, and never got round to acting on it
- Households that suspect money is leaking out but have not sat down with the statements
- Anyone facing a big purchase (a car, an appliance, a mower, a membership) who wants the total cost, not the sticker price
- Couples who want one shared page of numbers to decide from
Who made this
Built by the ShouldICalc team at Cozy River Studios, the people behind this site's 56 free "should I" calculators. Every formula in the kit is the math those calculators use and publish on the methodology page, and both worked examples use the calculators' own default inputs, labeled hypothetical. Researched, not financial advice.
30-day money-back guarantee
Use the whole kit. If it doesn't help, fill in the refund form within 30 days and you get every dollar back. No questions asked. Refund form.
Questions
How do I get it?
Pay on the secure Stripe checkout and you land straight on your download page: the full PDF, a ZIP of every sheet as its own printable page, the companion spreadsheet and the bonus monthly budget planner workbook. Bookmark that page to download again later.
Does it really pay for itself?
For example, results vary: one $10-a-month subscription cancelled is $120 a year, and the site's subscription calculator finds $432 a year at its default inputs. That is an example, not a promise. The Quarterly Review has a payback tracker where you write down what the kit actually caught.
Do I need to link my bank account or install an app?
No. It is a printable PDF and a spreadsheet. You copy numbers from your own statements; nothing is uploaded anywhere.
Is this financial advice?
No. It is researched guidance and a set of worksheets built on the same math as the site's calculators. For a mortgage, insurance, tax or retirement decision, confirm the numbers with the lender, the insurer or a licensed professional.
What if it is not what I expected?
Use the whole kit. If it does not help, fill in the refund form within 30 days and you get every dollar back. No questions asked.
Does this replace the free calculators?
No, it works with them. A calculator answers one question and forgets it. The kit runs the calculators in a sensible order, keeps your results together, turns them into a 13-week plan and logs what each decision saved.
The Household Savings Audit & Decision Kit
12 worksheets · 32 pages · examples, workbook and online buyer guide