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Your Rustic Budget & Living Starter Kit
Five practical worksheets to help you organize your money, home, and next steps — without making life more complicated. Print the full kit or start with the worksheet you need today.
Every box can be typed into on a phone, tablet or computer — or download a single worksheet below.
Payday Planner
Fill this in the day the money lands, before anything is spent.
- Pay date
- Amount received
- Bills due before next payday
- Groceries & fuel
- Debt payment
- Savings / sinking fund
- What's actually left
- One thing I will not buy this week
If the last line is negative, the problem is timing, not willpower. Move one bill.
Download this worksheetBill Checklist
One line per bill. Tick it the day it clears, not the day you mean to pay it.
- Housing / rent / mortgage
- Electric
- Gas / heating
- Water & trash
- Phone
- Internet
- Insurance
- Car / transport
- Subscriptions (list them all)
- Debt minimums
Total this column, then divide by paychecks per month. That's your bill share per payday.
Download this worksheetFind Your Direction Worksheet
Four honest answers beat four months of scrolling.
- The thing that's stressing me most right now
- What I want to be true in 90 days
- What I already know how to do
- One hour a week I can protect
- The very next small step
Pick the smallest next step you could finish this week. That's the direction.
Download this worksheetBusiness Idea Worksheet
Write the idea down before you spend a dollar on it.
- What I'd sell
- Who it's for (be specific)
- The problem it solves
- What I'd charge
- Where those people already hang out
- What I can make this month with what I have
If you can't name the person who'd pay, that's the next thing to work out — not a logo.
Download this worksheetWeekly Life Reset Checklist
A short, repeatable loop. Same day each week.
- Kitchen reset
- Laundry to done
- Papers, mail & school notes
- Meals planned for the week
- One 15-minute clutter zone
- Check bank balance & upcoming bills
- Calendar for the week ahead
- One thing just for me
Miss a week? Start again on the same day. The rhythm matters more than the streak.
Download this worksheetStarter Kit questions
What's included in the Starter Kit?
Five printable worksheets: a Payday Planner, a Bill Checklist, a Find Your Direction Worksheet, a Business Idea Worksheet and a Weekly Life Reset Checklist. Each one is shown on this page and has its own download button.
Who is it for?
Anyone who wants a simple, low-pressure place to start — getting a handle on a paycheck and bills, thinking through a small business idea, or resetting a busy week at home. No experience or special software needed.
How do I get it?
It's free and right here. Use the download button under any worksheet to save the PDF, or use your browser's print option to print the whole page. You don't need to buy anything or create an account.
Can I fill it in on screen?
Print it at home and fill it in by hand, or open the downloaded PDF in a PDF app to work on screen.
Does it cost anything later?
No. The Starter Kit is free. Paid workbooks are offered separately and are always optional.
What next?
Take the two-minute quiz and we'll point you at the right compass, or walk the money path from free to finished.