Made for women managing money on their own — without shame, jargon, or pressure.
Why I Created This
Money in midlife hits different.
You’re doing the best you can while juggling real-life responsibilities — maybe helping family, carrying old debt, trying to budget, or starting over later than you expected. And it’s easy to feel like you “should already know all this,” even though nobody ever taught us.
That’s why I created the Smart Solo Money Starter System™ — and I promise the word “system” sounds bigger than it is.
It’s not a big program.
It’s not a course.
It’s simply the way I learned to make money feel manageable and less stressful, one small step at a time.
No perfection.
No tracking every latte.
Just clear guidance and tools that are simple enough to actually use.
What You Get in the Starter Bundle
Everything here is designed to help you feel steady and supported ~ not judged.
📘 Smart Solo Money Starter System Workbook (46 pages)
• Guided journal prompts
• A simple budget + spending cushion planner
• Subscription & expense audit
• Debt payoff flowchart + worksheets
• Monthly reset routine pages
• Space to reflect without guilt
👀Take a look inside
You can flip through the workbook right here before buying.
(No surprises, no pressure.)
PDF viewer will load below.
📊 Google Sheets Companion File
This is the part that makes everything easier.
• Tracks income, expense, and debt
• Annual bill payment log
• Savings cushion progress tracker
• Step-by-step tabs that match the workbook
• Reuse it every month – it does the math for you
Why it works
This system is built for real life.
• It doesn’t assume every paycheck is predictable
• It doesn’t shame you if you're helping your kids, grandkids, or parents
• It doesn’t tell you to stop living your life
• It doesn’t ask you to overhaul everything at once
Instead, it gives you:
Bite-sized steps that build confidence with your finances
Reflection pages so you can see progress
Simple tools you can stick with
Money confidence comes from one strong habit at a time; not a giant life makeover.
🎥See the Walkthrough
Below is a short video showing how the Google Sheet works and how it fits with the workbook.
It also includes a bonus Bill Payment Tracker I added to make life easier.
How the Smart Solo Money System Is Different
Most popular budgeting systems expect you to:
• track every penny
• stick to strict categories
• follow rules that don’t fit real life
• pretend every month looks the same
This one isn’t like that.
The Smart Solo Money Starter System™ was built for midlife women who:
• support grown kids or grandkids
• manage money on one income
• have irregular bills
• need clarity, not perfection
• want tools that feel doable on a tired day
Instead of telling you what you “should” do with your money, this system helps you:
• see where you are
• find the easiest next step
• build simple habits that actually stick
• rebuild confidence one small win at a time
It’s money that feels human.
Not harsh.
Not overwhelming.
Not all-or-nothing.
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Want to try one of my money tools for free?
Grab my Subscription & Expense Audit – it's the easiest place to start if you're feeling overwhelmed.
It helps you:
- spot quiet money leaks
- see which expenses still matter
- find quick wins you can fix in minutes
Who it’s for
This is a good fit if you're:
☑️ A midlife woman managing money solo
☑️ Starting fresh after life changes
☑️ Tired of budgeting that never sticks
☑️ Balancing family responsibilities with your own needs
☑️ Wanting structure, not stress`
Get the Smart Solo Money Starter Bundle ($9)
You get the full workbook + the Google Sheets companion file.
No subscriptions. No upsells. No pressure.
Just tools you can use right away..
📥 How It Works
1️⃣ Purchase the Starter Bundle
2️⃣ Download two PDFs: the workbook and a Google Sheets access link
3️⃣ Follow the link to make your own editable copy
4️⃣ Start using it today; even if you're not good with money.
📢 FAQs
Not necessarily! You can also download an Excel version for offline use.
The files are for personal use, but you’re welcome to recommend it to a friend.
All instructions are included in the PDF.
If you get stuck, email me at contact@projectimproveme.com and I’ll help.
Not ready for the full starter system? Start small with a free tool.
Get the Subscription & Expense Audit.