The Wallet Method

A budget that never asks for your bank login.

No syncing, no broken connections, no app reading your accounts. You type a few of your own numbers and the workbook does the math.

The workbook: fill the yellow boxes and it does the math. Works in Excel and Google Sheets. Get the Wallet Method on Etsy

Instant digital download. Book, workbook for Excel and Google Sheets, and two guides.

Sound familiar?

5 reasons people who don't trust bank sync like this

  1. Nothing to connectThe workbook is a file on your own computer or Google Drive. It never sees your bank.
  2. Nothing to breakNo sync means no missing or duplicate transactions to clean up.
  3. A few numbers, not every transactionTake-home pay, your bills, your savings. That is what you type. The workbook works out your weekly spending allowance.
  4. Works with cash or cardsYour weekly adult allowance can live in a real wallet or on one card. Your choice.
  5. You pay onceA one-time digital download. No account, no subscription.

How it works

  1. Pay yourself first. On payday, at least 10% goes to savings before anything else.
  2. Cover your bills. Everything that comes out on its own, set up once.
  3. Get your weekly spending allowance: a set amount for everything else, like groceries, eating out, coffee and fun. It refills the same day every week.

When the wallet is empty, it's empty until refill day.

What you get

What you get: the picture book, the workbook, the How-To Guide and Start Here.

Who made it

I'm Steve. I worked at two of Canada's big banks, then spent more than ten years as a mortgage broker, going through people's bank and credit card statements at their kitchen tables. A lot of them said the same thing: "I had no idea." This is the method I showed them, and the one I ran myself.

Steve, Calgary, Alberta

Get the Wallet Method on Etsy

Questions? Message me on Etsy. A real person answers.

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