tools, templates, and guides to unlock your financial future.
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Tools
Practical, plug-and-play resources to simplify your finances. From trackers to planners, these tools help you build structure, reduce stress, and stay consistent on your wealth journey.
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Templates
Done-for-you frameworks to save time and cut the guesswork. Whether it’s budgeting, passive income planning, or content strategy, these templates give you a clear starting point you can customise to your goals.
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guides
Step-by-step walkthroughs designed to keep things simple and sustainable. Each guide breaks down complex topics into clear, actionable steps — so you can move forward with confidence at your own pace.
Debt Snowball Calculator + Snowball Plus™ Planner
Estimate how long it could take to become debt-free using this free debt payoff calculator.
Enter your balances, interest rates, and minimum payments to compare the three most common payoff strategies:
• Snowball (smallest balance first)
• Avalanche (highest interest first)
• Snowball Plus™ — the Slow Money Movement hybrid method
The calculator shows your estimated payoff timeline, total interest cost, and the order each strategy would clear your debts so you can choose the approach that fits your situation best.
Use the planner to see how directing extra monthly payments toward one priority debt can dramatically reduce both interest and repayment time.
👉 Try the Debt Snowball Calculator
This calculator is part of the Slow Money Movement™ toolkit designed to help people build realistic, sustainable paths out of debt.
the Slow Money Snowball Plus™ Payoff Planner
A steady, practical way to pay off debt — without pressure or false precision.
This planner helps you see your debts clearly, choose a repayment strategy that fits your life, and track progress without guesswork or noise.
No apps.
No subscriptions.
Just a clear plan you control.
What it does
• Brings all your debts into one place
• Shows how Snowball, Avalanche, and Snowball Plus™ play out over time
• Applies extra payments intentionally, not automatically
• Keeps mortgages visible without letting them drive the plan
• Updates projections as you go
Repayment options
Snowball
Clear smaller balances first for momentum.
Avalanche
Target higher interest rates to reduce long-term cost.
Snowball Plus™
Snowball, with the option to prioritise a specific debt when needed.
You choose. The planner follows.
About minimum payments
Minimum payments are treated as already covered.
Any extra amount you enter is applied on top, not redistributed or assumed elsewhere.
This keeps the numbers stable and easy to understand.
If your lender minimums change, you can update them at any time.
Mortgages
Mortgages can be included for visibility or treated like a normal debt — your choice.
By default, Snowball Plus™ focuses on clearing consumer debt first, but you’re free to include a mortgage in the payoff flow if that suits your plan.
Currency
Use £, $, or €.
Set it once during setup.
What you get
• Google Sheets payoff planner
• Clear dashboard and projections
• Locked calculations to prevent errors
• Simple “how to use” guidance
Price
£19.99
One-time purchase. Yours to keep.
Snowball Plus™ Planner is being upgraded
We’re currently enhancing the planner to make it more powerful, practical, and user-friendly. Sign up to be first to know when the new version is live.
The slow money Starter DASHBOARD
Your next step after the free Starter Stack — a done-for-you bundle of tools to build structure, clarity, and confidence in your money journey.
Unlike flashy “get rich quick” hacks, these practical resources are designed to ground you, not overwhelm you. Print them, fill them in, or use them digitally — each one helps you take slow, steady steps toward financial freedom.
SLOW MONEY TOOLKITS
Subscriptions are meant to make life easier — but they often turn into quiet monthly money leaks you barely notice.
This free tracker helps you list everything you’re paying for, total the real monthly and annual cost, and decide what’s genuinely worth keeping.
Inside you’ll get:
A full subscription tracker page (monthly + annual totals)
A cancellation plan to follow through properly
A simple “Only What I Use” rule to reset your spending
A realistic monthly limit prompt to keep things steady
Download it free and take back control — one subscription at a time.
Instant download • Free • For personal use only
Your first step into the Slow Money Movement™.
This free Starter Stack™ gives you a simple, grounded starting point to get clear, organised, and moving again with your money — without overwhelm or pressure. Inside, you’ll find beginner-friendly worksheets and tools designed to help you understand where you are, track your progress, and take steady, sustainable steps forward.
You’ll get your Monthly Money Snapshot, Snowball Plus™ Mini Tracker, Habits Tracker, Clarity Prompts, space for planning, and more — everything you need to create order, confidence, and momentum.
This Starter Stack is Part 1 of your Slow Money System.
When you're ready, the full dashboard takes your clarity even further with automation, editable tools, and deeper financial planning features.
No hype. Just a simple, practical foundation to help you build wealth slowly, sustainably, and with confidence.
The Slow Money Starter Stack™ — Fillable Edition
The same grounded, beginner-friendly Starter Stack™ you’ve already used — now fully editable, type-friendly and designed for digital ease.
This premium edition lets you type directly into every tracker, prompt and worksheet, so you can:
✔ update your Monthly Snapshot without reprinting
✔ track Snowball Plus™ progress effortlessly
✔ save digital copies for each month
✔ duplicate pages as often as you like
✔ keep your financial journey organised in one place
✔ use it across laptop, tablet or phone
No added content — just a smoother, more organised, reusable version of the full toolkit.
Perfect if you prefer digital planning or want a cleaner, more streamlined way to track your Slow Money journey.
The Prosper Toolkit™ (Fillable Edition) is the companion system to Unlocking Financial Freedom — created to help you move from ideas to action in a way that feels clear, steady, and realistic.
This is not a generic budget spreadsheet.
It’s a structured, fillable planning toolkit designed to support the core principles of the book: clarity over complexity, progress over perfection, and systems that fit real life.
A 56-page toolkit with a mix of fillable planning pages and guided reference content.
What this toolkit helps you do
Turn the concepts from the book into practical next steps
Track income, spending, and financial commitments in one place
Get a clear picture of where your money is going — without overwhelm
Stay consistent with decisions instead of constantly “starting again”
Build financial confidence through visibility, not restriction
What’s included
Fillable planning pages you can use digitally
Structured sections that align with the book’s framework
Clear prompts that guide decisions (not tell you what to do)
A calm, uncluttered layout designed for repeated use
How it’s designed to be used
Use it alongside the book as you work through the ideas
Fill it in digitally at your own pace
Revisit and update it as your situation changes
Use it as a living system — not a one-off exercise
Who this is for
Readers of Unlocking Financial Freedom who want a practical system
Anyone who wants structure without rigid rules
People who feel stuck between “knowing what to do” and actually doing it
Those who want a calm, organised way to manage money over time
Important notes
This is a digital, fillable toolkit
Designed for personal use
Not financial advice — it’s a planning and organisation tool