Free download · No credit card · Just an email
A budget tracker for people who've
quit every other one.
Built on behavioural science, not willpower. It assumes you'll skip a week. It gives you a way back in.
What's inside
Six pages. Designed for the way you actually spend.
- 01
A weekly tracker that survives you skipping a week
Most budget apps punish a missed day with red flags and shame. This one assumes you'll miss a day. The "back-in" prompt resets cleanly without making you feel like you failed.
- 02
The four-script diagnostic on the first page
Money Avoidance. Money Vigilance. Money Worship. Money Status. Klontz's peer-reviewed framework. Two minutes — you'll know which one's running you before you start the tracker.
- 03
Default-effect setup, not willpower
One page on automatic transfers — the behavioural-economics move that does ninety percent of the work for you. Set it up once. Don't think about it again.
- 04
The "guilt budget"
A line item for the things you spend on out of guilt or shame. Most people have one and don't know it. Naming it shrinks it.
"It's not a discipline problem. It's a script problem."
I'm Joel. I work with people who've optimised every area of their lives except this one. I built this tracker after watching a hundred clients try YNAB, Monzo, Notion templates, and feel worse afterward. The tracker is free. The work behind it is the same work I do in twelve-week one-to-one coaching.
MSc Behavioural Economics · Level 4 Qualified Financial Planner (UK) · Ex St. James's Place