For customers

Welcome. Here's where to begin.

Your files are on the Gumroad page that opened after you paid, and in your receipt email (search your inbox for "Gumroad"). Can't find them? Check your spam folder, or contact us through Gumroad and we'll resend your receipt.

1. Download the five files

Save them somewhere easy to find, like a folder called "Budget." Open 00 Start Here first.

2. Open the Planner on your device

• Excel (Windows or Mac): double-click the file. If a yellow "Protected View" bar appears, click Enable Editing.
• Google Sheets: at drive.google.com choose New › File upload, pick the Planner, then double-click it and choose Open with Google Sheets. File › Save as Google Sheets keeps a copy you can share with family.
• iPad or Mac (Numbers): tap or double-click the file and choose Numbers. It's free from the App Store.
• LibreOffice: open the file. If numbers look blank, press Ctrl+Shift+F9.
• Prefer paper? Print 04 Printable Worksheets at "Actual size."

3. Your first sitting (30 to 45 minutes)

1. Read chapters 1 and 2 of the Guide.
2. Gather two months of bank statements, any benefit letters, recent bills and your card statement.
3. Fill in My Numbers and Set-Asides (or worksheets 2–5).
4. Read your lowest point and room to spare on the Summary.