Get Your Free Money Starter Kit

The only financial workbook you need to go from “I don’t know where to start” to actually started.

If you’ve ever said any of the following, this is for you:

“I know I should budget, but I don’t even know what I’m spending.”
“I have no idea how much debt I actually have.”
“I want to start investing but I feel like I need to fix everything else first.”
“I keep meaning to deal with my money… and then I don’t.”

You’re not alone. And you’re not bad at money — you just never got a clear starting point.

That’s what the Clearwise Money Starter Kit is.

What’s Inside

The Money Starter Kit is a free, printable (or fillable) workbook with 5 sections:

📊 Section 1: Your Financial Snapshot

See your full picture in one place — income, expenses, assets, liabilities, and your actual net worth. Yes, including the number you’ve been avoiding. We’ll do it together.

💰 Section 2: Monthly Budget Template

Built around the 50/30/20 framework (50% needs, 30% wants, 20% future). Pre-filled with every common category so you don’t have to think about what to track.

🎯 Section 3: Debt Payoff Tracker

List every debt, see the full total, and choose your strategy: Avalanche (pay off highest interest first) or Snowball (pay off smallest balance first). Either works — the one you’ll actually stick to is the winner.

🛡️ Section 4: Emergency Fund Planner

Calculate your target number, track your progress visually, and set up the automation that makes saving happen without willpower.

✅ Section 5: 30-Day Money Clarity Checklist

One small action per day for 30 days. By the end, you’ll have more financial clarity than 90% of people your age — and a lot less money anxiety.

This Is Not Another Overwhelming Finance Guide

The Clearwise Money Starter Kit is built for people who are starting from zero, starting over, or just starting. It’s not for people who already have it all figured out.

There’s no complicated math. No shame. No “you should have done this 10 years ago.” Just a clear, structured place to begin.

It takes about 45 minutes to complete. Most people say it’s the most productive 45 minutes they’ve spent on their finances ever.

Download It Free

Enter your email below and we’ll send you the Money Starter Kit instantly — plus you’ll get the weekly Clearwise Brief, our free newsletter with one money tip, one action step, and zero overwhelm, every Tuesday.

You can unsubscribe anytime. We never spam. We never sell your email. We’re Clearwise — we do money differently.

👇 Drop your email below to get instant access:

Already a subscriber? Check your welcome email — we sent it directly to your inbox.

What Readers Are Saying

“I’ve tried every budgeting app and none of them stuck. This workbook took me 30 minutes and I finally understand where my money goes.” — Jamie, 29

“The debt tracker section made me cry a little but also motivated me more than anything else has. I paid off my first credit card 3 months later.” — Marcus, 34

“I didn’t realize I was spending $340/month on subscriptions I’d forgotten about. This workbook paid for itself immediately.” — Priya, 27

Frequently Asked Questions

Is this really free? Yes, completely. All we ask for is your email so we can send it to you and keep you updated with new Clearwise content.

Do I need to print it? Nope — you can fill it in digitally on any PDF reader (Preview on Mac, Adobe Acrobat, or even right in your browser). Or print it if you’re a pen-and-paper person. Both work great.

I have a lot of debt. Is this for me? Especially for you. The debt tracker section will help you see the full picture, which is the first step to doing something about it.

I don’t make much money. Will this help? Yes. This workbook works at every income level. The budgeting framework is percentage-based so it scales to your actual numbers.

What’s the Clearwise Brief? It’s our weekly email newsletter. Every Tuesday: one money concept explained clearly, one action step you can take immediately, and maybe a touch of humor because money doesn’t have to be miserable.

One More Thing

You found this page, which means you’re already trying. That matters more than you think.

The hardest part of getting your money together isn’t the math — it’s getting past the feeling that it’s too complicated, too late, or too overwhelming to even look at.

The Clearwise Money Starter Kit is proof that it’s not. It’s just one step at a time.

Download it. Do the first section tonight. See how it feels.

We’ll be in your inbox cheering you on.

— The Clearwise Team