Stop guessing what you can spend.
You are not bad with money. You were given the wrong tools.
Every budgeting method quietly assumes a salary. Budget on the first. Save ten percent. Set up a standing order. None of it survives an income that is 6,000 EUR one month and 900 EUR the next.
So you improvise. One account for everything. A rough guess at what to set aside for tax. A vague sense that things are probably fine, punctured twice a year by a deadline that arrives faster than the money to pay it.
That is not carelessness. That is what happens when the tools do not fit the life.
Thirty days, four phases
Days 1–7
See clearly
Get the real numbers out of your head and onto one page, including the ones you have been avoiding.
Days 8–15
Separate & protect
Split business from personal, and build the tax vault that ends deadline panic for good.
Days 16–23
Build the buffer
Turn the feast months into the buffer that carries you through the famine ones.
Days 24–30
Raise the floor
Pay yourself a predictable salary, price for the gaps, and future-proof the system.
What you own on Day 30
- Separated accounts, so “what can I actually spend?” takes one second to answer
- A tax vault funded automatically, at the right percentage, on every payment that lands
- A synthetic salary that pays you the same amount every month, whatever the invoices did
- A buffer with a target, a timeline and a home
- A twenty-minute Money Hour that keeps the whole thing true
Ten minutes a day. One decision at a time. No forty-tab spreadsheet you will abandon in week two.
Two ways to do it
27 EUR
Basic
The complete 30-day ebook, with every daily lesson and every worksheet inside the book. Instant PDF. Yours forever.
Best if you work on screen.
45 EUR
Premium
Everything in Basic, plus the printable toolkit:
- The 30 worksheets as standalone print-ready sheets
- Tax-deadline calendar for your country
- Five scripts for chasing unpaid invoices
- The one-page Money Hour checklist
Best if you want to print it and work on paper.
Written where it is used
The Italian edition is not a translation. It is written around the fiscal reality Italian freelancers actually live in: regime forfettario, INPS Gestione Separata, acconti and saldo, IVA, and the conversation with your commercialista. The English edition covers the same method for freelancers elsewhere.
Instant download
No app, no subscription, no account to maintain.
14-day promise
Work through it honestly and if it does not help, we refund you in full.
Educational, and we say so
Not financial or tax advice. Confirm your specifics with a professional.
