Money in Order

• 18-page PDF guide with a 4-week plan: a real snapshot of your spending, your budget, the cuts and automatic saving. Each chapter ends with concrete tasks.
• Excel template (also works in Google Sheets) with 7 sheets: categories and budget, annual expenses, transactions, monthly summary with alerts, emergency fund and debts.
• A filled-in example file so you can see how the template looks with an illustrative household.
• How to adapt the 50/30/20 rule when housing takes more than its share.
• Where to cut first (subscriptions, phone, electricity, insurance, bank fees) and how to use an official price comparison tool.
• Emergency fund: how much you need, where to keep it and how many months it will take you.
• Debts: the avalanche and snowball methods, with a comparative simulation, and a warning about revolving credit cards.
• Data from official statistics, the Bank of Spain and academic studies, with 10 cited sources.

For anyone on a salary, a pension or self-employed income who only just makes it to the end of the month or doesn’t know where their money goes. The national data and official bodies mentioned are from Spain; the method works in any country. No Excel knowledge needed: the cells you fill in are marked in yellow and the rest is calculated automatically.

It’s an informational guide: it isn’t personalised financial advice or an investment recommendation, and it doesn’t promise you’ll save a specific amount. What you achieve depends on your income, your essential expenses and your situation. The examples with figures are illustrative.

Digital product: straight after purchase you get the download link for a ZIP file with the PDF guide and the two Excel templates. Nothing physical is shipped. One-off payment: no subscriptions or later charges.

As this is digital content downloaded immediately, by starting the download with your express consent you lose the right of withdrawal.

No. The cells you fill in are marked in yellow and the rest is calculated automatically. It includes an example file already filled in.

Yes. The template works in Excel and Google Sheets.

No. It’s a guide to organising spending, your budget, emergency fund and debts; it isn’t financial advice and doesn’t recommend investments.

Yes. You pay the price you see once. There are no subscriptions or later charges.

With the methods shown on the payment page. Payment is processed on Shopify’s secure checkout; Mablow never sees your card details.

Straight after payment you’ll see the download link on the order confirmation page and you’ll also get it by email. It’s a digital file: nothing physical is shipped.

Yes. The PDF opens on a phone, tablet or computer, and you can also print it. The Money in Order template works in Excel and Google Sheets.

Check your spam or promotions folder. If it isn’t there, email us at [email protected] with your order number and we’ll resend the link.

As this is digital content downloaded immediately, by starting the download with your express consent you lose the right of withdrawal. If the file doesn’t work or doesn’t match the product description, email us and we’ll sort it out.

Email us at [email protected] with your order number and what happened. We’ll look into it and sort it out.

No. They’re digital files: you download them instantly and nothing physical is shipped.