The Tight-Month Toolkit: All 5 Bill Help Now Kits (Debt Planner, Hard Month Kit, Cash Envelopes, Medical Bill Rescue Kit, Family Dinner Plan)

Everything we make, in one download. $40 if bought separately. Yours for $19.

1. Debt Freedom Planner (spreadsheet, normally $7): your debt-free date, Snowball vs. Avalanche, bills by paycheck, spending tracker and an emergency fund goal. Works in Excel and Google Sheets.

2. The Hard Month Kit (9-page PDF, normally $9): what to pay first, a 30-day cash plan, 6 call scripts, 4 editable letters (hardship, rent, utility, debt collector), and help you may be owed.

3. Cash Envelope & Savings Challenge Kit (15-page PDF, normally $8): 12 printable envelopes, $100 / $500 / $1,000 savings challenges, sinking funds and a bill tracker.

4. The Medical Bill Rescue Kit (13-page PDF + 3 Word letters, normally $9): get the itemized bill, find errors, apply for hospital financial assistance, dispute or negotiate, and handle collections. Includes letters, scripts, cut-out phone cards and a tracker.

5. The $50-a-Week Family Dinner Plan (16-page PDF + price spreadsheet, normally $7): 4 weeks of dinners for 4, shopping lists, recipes, swaps for picky eaters, an end-of-month pantry week, and a calculator for your store's prices.

WHAT YOU GET: One ZIP file: 4 PDFs, 2 spreadsheets and 7 editable Word letters. Print the PDFs at home. Open the spreadsheets in Excel or Google Sheets.

YOUR DOWNLOAD: Payhip emails your download link right after purchase. Keep that email; the link works any time you need to download again.

General information, not legal, medical, tax or financial advice.

Instant digital download. All sales final.