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Lower your bills and beat your debt, one letter at a time
The Money Toolkit gives you 8 fill-in-the-blank letters that lower your bills, plus a full budget planner, paycheck budget, bill and subscription trackers, debt payoff planner, sinking funds, and a savings challenge. Everything in one simple file.
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$24$17 one-time
Instant download · Works on phone, tablet, and computer · Yours to keep
What is inside
Two ready-to-use tools that do the heavy lifting for you.
8 Bill-Negotiation Letters (PDF)
Fill-in-the-blank letters for medical bills, internet and cable, credit card rates, late fees, debt validation, and more. Most trackers show you the problem. These help you fix it.
Budget Planner + Paycheck Budget
Budget monthly or by paycheck, with the 50/30/20 rule built in. It adds everything up for you.
Debt Payoff Tracker
List your debts once. It shows the snowball and avalanche order and gives you a debt-free estimate.
Bill Tracker + Subscription Tracker
See every bill and due date, and every subscription and what it really costs you per year.
Sinking Funds
Save a little at a time for car repairs, holidays, and surprises, so they never catch you off guard.
Savings Challenge
Pick a goal and log what you save each week. Watch the total climb and stay motivated.
Instant downloadKeep it foreverWorks anywhere
This is exactly what I needed. I used the internet letter and saved 25 dollars a month in one email, and the tracker finally showed me a way out of my cards.A BillRelief Check reader
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One payment. Instant download. Everything above, yours to keep and use as many times as you need.
$24 $17 one-time
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One saved bill usually pays for this many times over. If a single letter lowers one bill, the toolkit has already paid for itself.
Questions
How do I get it after I pay?
The moment your payment goes through, you get an instant download link by email. The files are yours to keep.
What do I need to open the files?
The letters open as a PDF on any phone, tablet, or computer. The planner and trackers open in Excel, Google Sheets, or any free spreadsheet app.
Do the letters really work?
They give you the exact words that companies respond to. Results depend on your situation and the company, but most people never ask at all, and asking is where the savings are.
Is this financial or legal advice?
No. The Money Toolkit is for education and self-help. It gives you tools and templates you can use yourself.