01· in both
Household budget workbook
Zero-based monthly budget, sinking funds, and a 90-day cash-flow calendar. CSV templates that open in Excel, Google Sheets, and Numbers.
Household money · two tiers
Find north.
Then move.
Northstar is a one-time digital kit: budget spreadsheets you can actually finish, and (in the full toolkit) a side-income playbook that treats your evenings as scarce. Start with core templates at $19, or get the full system at $47. No guaranteed income. No trading. No hype.
Starter $19 · Toolkit $47 · one-time · no subscription
The system
Core sheets for Starter. Full map for Toolkit.
02· in both
Debt and bills tracker
A payoff-order sheet (avalanche or snowball) and a recurring-bills register so due dates stop being a surprise.
03· toolkit only
Monthly review template
A 45-minute close-the-month ritual: what came in, what went out, what was a surprise, what you change.
04· toolkit only
Side-income playbook (PDF)
A practical filter for extra work: time, skills, cash needed, and days-to-first-dollar. Not a trading course. Not a guarantee.
Example quotes · not real customers
How this is supposed to feel
These are sample testimonials written to show the tone of the product. They are examples, not reviews from real people.
“I finally stopped guessing where March went. The monthly review is the part I actually keep doing.”
“The side-income filter talked me out of a shiny idea that would have cost weekends I do not have.”
“Plain templates. No dashboard to log into. I opened the sheet, put last month in, and had a plan by dinner.”
Price
Two tiers. Pay once. Keep the files.
Pick Starter if you want the core budget sheets only. Pick Toolkit when you want the debt tracker, monthly review, and side-income playbook too. Swap either offer later by editing the offer module and pointing Stripe at new Price IDs.
- —Not a get-rich-quick program, crypto trading system, or income guarantee.
- —Not financial, tax, or legal advice. Your numbers are yours.
- —Not a subscription. Pay once; keep the files.
Field notes
From the ledger
Field note · Budgeting
A zero-based budget that survives a messy month
Give every dollar a job using last month's actuals, a few broad categories, and a buffer. A method you can finish in one evening.
Field note · Side work
Side income that does not eat your evenings: a practical filter
A four-question filter for extra work: time, skills, cash required, and days to first dollar. How to say no to ideas that look like income and behave like a second job.
Field note · Rituals
The 45-minute monthly money review that prevents surprises
A calendar-blocked close of the month: four questions, sinking funds, and one change. How to look at the numbers without turning it into a shame session.
Questions
FAQ
What is the difference between Starter and Toolkit?+
Starter ($19) is the two core budget CSVs — household budget workbook and 90-day cash-flow calendar. Toolkit ($47) adds the debt and bills tracker, monthly review template, and the side-income playbook PDF. Start with Starter if you only need clarity on this month's money; upgrade to Toolkit when you want the full system.
What exactly do I get?+
Starter: two CSV templates (budget, cash-flow). Toolkit: four CSV templates (budget, cash-flow, debt/bills, monthly review) and a short PDF playbook. Open the CSVs in Excel, Google Sheets, or Apple Numbers. No login, no app store.
Is this a course or a coaching program?+
No. It is a file kit and (for the Toolkit) a written playbook. There is no community, no upsell call, and no weekly Zoom.
Will this make me extra money?+
Nobody honest can promise that. The Toolkit playbook helps you pick side work that fits your hours and skills. The spreadsheets help you see cash clearly. Results depend on your situation and follow-through.
How do I get the files after I pay?+
After you pay on Stripe (Payment Link or Checkout), you land on a success page with download links for the product you bought. Keep the receipt email. If something breaks, write randymeike4@gmail.com.
Can I use this outside the US?+
Yes. The sheets are currency-agnostic: type your own symbols and categories. Examples in the playbook are written in plain US English.
What if payments are not configured yet?+
Live sales use Stripe Payment Links baked into the offers (or set via NEXT_PUBLIC_STRIPE_PAYMENT_LINK_*). If you clear those and also omit Checkout API keys/Price IDs, the button will say payments are not configured instead of charging a card.
Correspondence
Field notes, occasionally
A short note when a new template or article ships. No daily drip. Unsubscribe any time.