Financial Independence Journal + Workbook (PDF)

Description

Work out your number, one page at a time

You know that moment when you’re sitting at the kitchen table with the bills spread out, and somebody asks, “Are we ever going to get ahead?” I’ve been at that table. More than once, with a calculator and a legal pad.

Financial independence sounds like something for trust funds and lottery winners. It isn’t. It’s for any family with a regular income and a willingness to write things down. This workbook is where you write them down.

What it is (and what it isn’t)

The Financial Independence Journal & Workbook is 22 printable pages in five parts. Work one page in a fifteen-minute sitting. It isn’t a get-rich plan and it doesn’t pick investments for you. It’s the thinking and the paperwork that come before every good money decision.

What’s inside

• Part One, the why: finding your why, “Is it for people like us?”, your number (how much is enough), and the six stages, so you can see where your family stands today
• Part Two, the beliefs: your money beliefs, growth mindset (money edition), the comfort zone named, and new money habits
• Part Three, the plan: one SMART money goal, debt (where to start, with the snowball and the avalanche side by side), active and passive income, budget vs. actual, income vs. expenses for the whole year, and a twelve-month bill tracker
• Part Four, widening the gap: increasing income, a side income worksheet, increasing savings, a savings tracker, compound interest explained plainly, and what to know before you buy a house
• Part Five, taking action: the page that isn’t done until the first thing on it is done

Before and after

Before: a vague hope that it’ll get better someday, and no idea what “enough” even looks like for your family.

After: your number written down, the stage you’re in today, one goal with a date on it, and your debts in the order you’ll pay them.

Printable, fillable and an app, one price

Print it and work by hand, or type into the fillable PDF. The free Homefire Financial Independence Journal app works out your number (what you live on times 25, how far along you are, and roughly how many years at what you can add), puts every debt in order by snowball or avalanche and shows the month each one clears and the interest each method costs, and adds a compound-interest calculator, the six stages, the beliefs, the habits, active versus passive income with the passive share, and a savings year: itsasouthernlifeyall.com/app/financial-independence/ (your Start Here download carries the link too).

Who is writing this

I’m Robin, a mom of four and a grandma of seven. I’ve been the CFO of a law firm for the past ten years, and before that I was the CFO of my husband’s construction company for nearly twenty, doing that work from home while raising our four kids. Everything here is general education from a mom who has spent her career with the numbers, not personal financial advice.

The details

Instant download: the 22-page printable PDF, the fillable PDF and a Start Here page with your app link, delivered the moment you buy. Print as many pages as you need for your own family’s use. Digital products are final sale; if you have any trouble downloading, email me and I will get you sorted.

You don’t have to be a perfect mom. You just have to keep the fire going.