{"title":"Everyday money","description":"\u003cp\u003eOrdinary money kept in order without a spreadsheet habit — short weekly checks, a sensible order of operations on payday, and the charges nobody reads any more.\u003c\/p\u003e","products":[{"product_id":"the-ten-minute-budget","title":"The Ten-Minute Budget","description":"\u003cp\u003e\u003cem\u003eA weekly money check that actually gets kept\u003c\/em\u003e\u003c\/p\u003e\u003cp\u003eMost budgets fail because they demand an hour nobody has. A ten-minute weekly check, done the same day every week, that catches the small leaks before they become a monthly surprise.\u003c\/p\u003e\u003ch3\u003eAbout this book\u003c\/h3\u003e\u003cp\u003eMost budgets are abandoned by March, and the usual explanation — a lack of discipline — is the wrong one. They are abandoned because they were built to take an hour a month, and an hour is easy to postpone twice, at which point the numbers are stale and the exercise has to start again.\u003c\/p\u003e\u003cp\u003eThis book replaces the monthly hour with a ten-minute weekly check, done on the same day each week. The claim is not that ten minutes is more thorough. It is that ten minutes is short enough to survive a bad week, and a check that survives bad weeks is the only kind that catches anything.\u003c\/p\u003e\u003cp\u003eThe check itself is described step by step and watches three numbers, with a chapter explaining why the other twenty are not worth the attention they take. The book is deliberately unopinionated about categories, envelopes and software; the method works on a banking app and a piece of paper, and stays the same either way.\u003c\/p\u003e\u003cp\u003eTwo chapters cover what happens when the numbers are bad news — the specific temptation to stop looking, and a short protocol for the weeks when looking is unpleasant — and how to keep the habit through a genuinely busy month, when it matters most and is least likely to happen.\u003c\/p\u003e\u003ch3\u003eWhat is inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eWhy the monthly budget gets abandoned by March\u003c\/li\u003e\n\u003cli\u003eThe ten-minute weekly check, step by step\u003c\/li\u003e\n\u003cli\u003eThree numbers worth watching and nothing else\u003c\/li\u003e\n\u003cli\u003eWhat to do when the numbers are bad news\u003c\/li\u003e\n\u003cli\u003eKeeping the habit through a busy month\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eAnyone who has started a budget more than once\u003c\/li\u003e\n\u003cli\u003ePeople who avoid looking at their account towards the end of the month\u003c\/li\u003e\n\u003cli\u003eReaders who want a habit rather than a spreadsheet\u003c\/li\u003e\n\u003cli\u003eThose whose income or spending varies enough to make monthly planning awkward\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eFrom the book\u003c\/h3\u003e\u003cblockquote\u003e\u003cp\u003eTen minutes a week beats an hour a month, not because it is more thorough, but because it is the one you will actually keep doing.\u003c\/p\u003e\u003c\/blockquote\u003e\u003ch3\u003eDetails\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eFormat: PDF ebook\u003c\/li\u003e\n\u003cli\u003eLength: 51 pages\u003c\/li\u003e\n\u003cli\u003eLanguage: English\u003c\/li\u003e\n\u003cli\u003eDelivery: instant download after payment\u003c\/li\u003e\n\u003cli\u003eProtection: none — no DRM, no device limit\u003c\/li\u003e\n\u003cli\u003eThirty-day refund on every purchase\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Calma Editions","offers":[{"title":"Default Title","offer_id":52883390464317,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1015\/3082\/9117\/files\/the-ten-minute-budget.webp?v=1787107213"},{"product_id":"paying-yourself-first","title":"Paying Yourself First","description":"\u003cp\u003e\u003cem\u003eThe order of operations for a payday that keeps slipping\u003c\/em\u003e\u003c\/p\u003e\u003cp\u003eThe advice to pay yourself first is common and rarely explained. This is the order of operations: what moves on payday, in what sequence, and what is allowed to wait until the rest is settled.\u003c\/p\u003e\u003ch3\u003eAbout this book\u003c\/h3\u003e\u003cp\u003eThe instruction to pay yourself first is repeated constantly and explained almost never. As advice it is close to useless, because the difficulty was never the principle — it was the sequence, and the sequence is where every payday actually goes wrong.\u003c\/p\u003e\u003cp\u003eThis book sets out the order of operations: what moves on the day the money arrives, in what order, and what is allowed to wait until the rest is settled. The order matters more than the amounts, and the book makes the case for that specifically: a modest amount moved first survives the month, and a generous amount moved last does not exist.\u003c\/p\u003e\u003cp\u003eThere is a chapter on automating the first step so that it cannot be skipped, including what to do when income is irregular and a fixed transfer is not realistic. The approach for variable income is a percentage with a floor, and the mechanics are described in enough detail to set up in one sitting.\u003c\/p\u003e\u003cp\u003eThe last chapters deal with the difficult month — what is genuinely allowed to wait, what is not, and how to restore the order afterwards without treating the interruption as a failure. Adjusting the order after a hard month is presented as a normal part of the method rather than an exception to it.\u003c\/p\u003e\u003ch3\u003eWhat is inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eWhy payday keeps ending with nothing left over\u003c\/li\u003e\n\u003cli\u003eThe order of operations, in four steps\u003c\/li\u003e\n\u003cli\u003eAutomating the first step so it cannot be skipped\u003c\/li\u003e\n\u003cli\u003eWhat is allowed to wait, and what is not\u003c\/li\u003e\n\u003cli\u003eAdjusting the order after a difficult month\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003ePeople who intend to save and reach the end of the month with nothing left\u003c\/li\u003e\n\u003cli\u003eAnyone with irregular or variable income\u003c\/li\u003e\n\u003cli\u003eReaders who want mechanics rather than motivation\u003c\/li\u003e\n\u003cli\u003eThose who have automated a transfer and quietly cancelled it\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eFrom the book\u003c\/h3\u003e\u003cblockquote\u003e\u003cp\u003eThe order matters more than the amount. Move the first step out of reach before the rest of the month gets a vote.\u003c\/p\u003e\u003c\/blockquote\u003e\u003ch3\u003eDetails\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eFormat: PDF ebook\u003c\/li\u003e\n\u003cli\u003eLength: 52 pages\u003c\/li\u003e\n\u003cli\u003eLanguage: English\u003c\/li\u003e\n\u003cli\u003eDelivery: instant download after payment\u003c\/li\u003e\n\u003cli\u003eProtection: none — no DRM, no device limit\u003c\/li\u003e\n\u003cli\u003eThirty-day refund on every purchase\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Calma Editions","offers":[{"title":"Default Title","offer_id":52883390497085,"sku":null,"price":13.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1015\/3082\/9117\/files\/paying-yourself-first.webp?v=1787107214"},{"product_id":"the-unsubscribe-hour","title":"The Unsubscribe Hour","description":"\u003cp\u003e\u003cem\u003eFinding the subscriptions you forgot you were paying for\u003c\/em\u003e\u003c\/p\u003e\u003cp\u003eA single-sitting method for finding every recurring charge on a statement, deciding each one in under a minute, and setting a date to do it again before they quietly return.\u003c\/p\u003e\u003ch3\u003eAbout this book\u003c\/h3\u003e\u003cp\u003eRecurring charges are unusually good at outliving their usefulness. Nothing announces that a subscription has stopped earning its place; it simply keeps charging, in an amount small enough that no individual month justifies the effort of dealing with it.\u003c\/p\u003e\u003cp\u003eThis book is a single-sitting method for finding all of them. It starts with reading a statement line by line, once, properly — which most people have never actually done — and includes the practical detail of where recurring charges hide, including the ones billed annually and the ones under a company name that resembles nothing you recognise.\u003c\/p\u003e\u003cp\u003eEach charge is then decided in under a minute using a one-minute rule that is set out explicitly, because the decision is where these exercises stall. The book is direct about the fact that a charge you cannot immediately justify is usually a cancellation, and about the small number of cases where that is wrong.\u003c\/p\u003e\u003cp\u003eThere are chapters on cancelling without the retention conversation, on the services that make cancellation deliberately awkward and what to do about them, and on setting a date for the next hour — because they return, quietly, and an hour scheduled six months out is the only part of the method that has to survive on its own.\u003c\/p\u003e\u003ch3\u003eWhat is inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eWhy subscriptions outlive their usefulness unnoticed\u003c\/li\u003e\n\u003cli\u003eReading a statement line by line, once\u003c\/li\u003e\n\u003cli\u003eThe one-minute rule for each recurring charge\u003c\/li\u003e\n\u003cli\u003eCancelling without the retention conversation\u003c\/li\u003e\n\u003cli\u003eSetting the date for the next hour\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eAnyone who cannot list their recurring charges from memory\u003c\/li\u003e\n\u003cli\u003ePeople who have found a forgotten subscription and suspect there are more\u003c\/li\u003e\n\u003cli\u003eReaders who want to do this once, thoroughly, rather than continuously\u003c\/li\u003e\n\u003cli\u003eThose who dread the cancellation conversation and would like a script for it\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eFrom the book\u003c\/h3\u003e\u003cblockquote\u003e\u003cp\u003eA subscription does not announce that it has stopped earning its place. It simply keeps charging until somebody reads the statement.\u003c\/p\u003e\u003c\/blockquote\u003e\u003ch3\u003eDetails\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eFormat: PDF ebook\u003c\/li\u003e\n\u003cli\u003eLength: 53 pages\u003c\/li\u003e\n\u003cli\u003eLanguage: English\u003c\/li\u003e\n\u003cli\u003eDelivery: instant download after payment\u003c\/li\u003e\n\u003cli\u003eProtection: none — no DRM, no device limit\u003c\/li\u003e\n\u003cli\u003eThirty-day refund on every purchase\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Calma Editions","offers":[{"title":"Default Title","offer_id":52883390529853,"sku":null,"price":11.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1015\/3082\/9117\/files\/the-unsubscribe-hour.webp?v=1787107216"}],"url":"https:\/\/shop.calmaeditions.com\/collections\/money.oembed","provider":"Calma Editions","version":"1.0","type":"link"}