A simple path to money confidence for women managing finances on their own
Why I Created This Personal Finance System
Money in midlife can feel complicated. You might be carrying debt longer than you planned, juggling bills while helping family, or trying to budget only to feel guilty when it didn’t work.
I built the Smart Solo Money Starter System™ to give women like us a clear, simple way to manage money without guilt, overwhelm, or confusing financial jargon.
This isn’t about perfection or tracking every latte.
It’s about building money confidence — one step at a time.
What’s Included in Your Starter Bundle
📘 Smart Solo Money Starter System Workbook (46 pages)
• Guided journal prompts
• Budget and cushion planner
• Subscription & expense audit
• Debt payoff flowchart + worksheets
• Monthly reset routine pages
📊 Smart Solo Money Companion File (Google Sheets)
• Income, expense, and debt trackers
• Annual bill payment log
• Savings cushion progress tracker
• Step-by-step tabs matching the workbook
• Use it month after month for ongoing clarity
Why it works
This system is built for real life.
• It doesn’t assume a perfect paycheck cycle.
• It doesn’t shame you for helping family or starting over.
• It doesn’t pile on complex rules that only create stress.
Instead, it gives you:
Clear steps — follow 6 guided stages to rebuild your finances.
Built-in reflection prompts — so you can notice progress and release guilt.
Practical tools — a workbook and companion sheet designed to work together.
Money confidence doesn’t come from doing everything at once — it comes from building one strong habit at a time.
Below is a quick video of the Google Sheet file included with the $9 Smart Solo Money Kickstart Bundle. It works well with the 6-steps in the guided workbook and does all the calculations for you – plus I added a Bill Payment Tracker as a bonus!
Who it’s for
☑️ Women in midlife managing money on a single income
☑️ Anyone who wants a fresh start without redoing their entire financial life
☑️ People who feel budgeting “never sticks” but still want structure
☑️ Women carrying both family and financial responsibilities
How to Get It
The full Smart Solo Money Starter System™ bundle (Workbook + Companion File) is available now for just $9.
📥 How It Works
1️⃣ Purchase the Smart Solo Money System Starter Bundle
2️⃣ Instantly download the PDF with access instructions
3️⃣ Follow the link to make your own editable copy
4️⃣ Start using it right away!
📌 No subscriptions, no waiting – just an easy, effective tool for your finances!
📢 FAQs
💬 Do I need Google Sheets to use this?
Not necessarily! You can also download an Excel version for offline use.
💬 Can I share this file with others?
This is a personal-use product, so sharing is not allowed. However, feel free to recommend it to friends!
💬 What if I have trouble accessing the file?
Check out the detailed instructions in the PDF, or contact contact@projectimproveme.com for help.