Start Here (Calm. Simple. Self-Paced.)
Three free resources to help you feel steady with money — without the guilt, feeling overwhelmed, or starting over every month. Start anywhere. Five minutes is enough.
Millie Money Journal
A calm, judgment-free weekly journal that helps you stop the monthly reset, track gentle progress, and build confidence — without pressure.
The Debt Planner
A simple tracker that helps you see what’s real — and what’s improving — without spiraling. This is clarity and calm momentum, no money shame allowed.
C.A.S.H – Split Worksheet
A quick worksheet to split your money in a way that feels supportive — not restrictive. Get clarity on what you need, what you want, and what you’re building.
Not sure where to start?
- Feeling overwhelmed? Start with the Journal.
- Focused on debt? Use the Debt Planner APP.
- Need clarity fast? Try the C.A.S.H Worksheet.
No pressure. No catching up. Just steady progress.
How these free tools work (PWA + disclaimer)
These tools are designed to be simple, private, and low-pressure.
They run as browser-based tools (also called PWAs — Progressive Web Apps), which means:
- Your information stays on your device
- Data is stored in your browser, not on a server
- Nothing is saved, tracked, or shared by Millie the Money Coach
If you clear your browser data or switch devices, your entries may be erased. For long-term tracking, we recommend exporting or saving important notes separately.
A Gentle Disclaimer: These tools are meant to support awareness, organization, and confidence — not to replace professional financial advice. Everyone’s money situation is different. Use what’s helpful, skip what’s not, and move at your own pace.