Free No apps. No bank logins.
The Household Snapshot
one sheet, one clear picture
See every account, bill, and dollar in one place. About ten minutes to set up. No spreadsheet skills required.
Free forever. Unsubscribe any time.
our own numbers
Rick and I did this in our own house, years before I coached anybody.
$45,000
of our debt, paid off
18 months
on the $65,000 a year we made
2021
the year we paid off the house
What’s inside the Household Snapshot
Six tabs. One clear picture.
Tap a tab to see what goes in it. You fill in the white cells, the sheet does the math.
Financial Accounts
Every account you have, in one view. Checking, savings, the account you forgot about. You will see your real total for the first time.
no more guessing
Income
Every paycheck and side gig, with what actually lands in the account. Not the number on the offer letter.
what really comes in
Expenses
Bills, due dates, and which account each one hits. This is the tab that stops the overdraft surprises.
where it really goes
Debt
Lender, balance, minimum, due date. Written down in one place so you can finally build a payoff order.
name every dollar
Insurance, Retirement, Gifts
The ones that catch you off guard. Premiums, contributions, and the birthdays and holidays you plan for instead of react to.
no more surprises
Dashboard
Your net worth and monthly cash flow, calculated for you. Fill in the white cells and this tab does the rest.
the whole picture
%
of Americans live paycheck to paycheck
LendingClub and PYMNTS Intelligence, New Reality Check, 2026
The full library
Everything in the shop
Live once a month
The Money Snapshot Challenge
Five days. Ten minutes a day. Free. We start the first Monday of every month and go through it together.
Most of us run our money from memory. A rough number in our head for what comes in, a rough number for what goes out, and a hope that it works out by the end of the month.
And it usually sort of does. That’s exactly why we never fix it.
When Rick and I finally wrote our numbers down, I thought my math was wrong. I checked it three times. We were raising three kids on $65,000 a year and spending every dollar we had, every single month.
That was hard to look at. It was also the week everything started to change.
Your accounts and debt, all in one place
We start with what you have and what you owe. No sorting, no categorizing, no judgment. Just write it down.
What's actually coming in each month
Every paycheck, every side gig, every deposit. We add it up and look at the real number together.
Where it's really going
Bills, due dates, and which account each one hits. This is the day most people say the light came on.
Gifts, insurance, and retirement
The ones that catch you off guard every year. We plan for them so December stops wrecking January.
Your dashboard. Net worth and cash flow, done for you
Everything you wrote down this week turns into one page you can look at any time.
I walk you through each day live in Instagram Stories
A recap email every evening so you can’t fall behind
The free Household Snapshot lands in your inbox as soon as you sign up, so you’re ready Monday morning
No apps to download. No bank logins. No budgeting experience. “Close enough” numbers are fine all week.
Meet Rich and Penny
Money conversations every household has. Ours just happen to be cartoons.
Penny Price
The Planner with a Purpose
Penny runs on color-coded spreadsheets and coupon apps. She keeps extra snacks in the car and still makes it to soccer practice.
.
let me check the budget first
Rich Price
The Experience Seeker
Rich says yes to road trips and turns a regular Tuesday into family movie night. He believes money should do something.
.
let’s make a memory
Start where you are
First, find yourself on the map
Four places families stand before anything changes. Nobody starts at the end. Tap the one that sounds like this week.
You have no idea where your money goes
Nothing changes until you can see the whole thing at once. The Household Snapshot puts every account, bill, and dollar on one sheet in about ten minutes. No apps, no bank logins.
You want a system you can hold in your hands
Some people need the plan on paper where the family can see it. The Budget Binder Printables give you pages that live on the counter instead of an app you forget to open.
The debt feels like too much
Small payments feel pointless until they are in an order that finishes something. The Debt Demolition Action Guide walks you through building a payoff plan you can actually see the end of.
You and your partner are not on the same page
Rick and I were magnets repelling each other until we sat down together. Mom's Finance Meeting Planner gives you a structure for the conversation so it stays a conversation.
Meet Carrie
Hi, I’m Carrie
Rick and I got married right out of high school. We bought a small starter home at 13.75% interest and our payment was $321 a month. I sat with the banker while he asked how much we spent on groceries each week, and we had no idea. None.
We weren’t irresponsible. We were financially unaware. And there’s a difference.
For years we paid every bill on time and still had nothing left at the end of the month. Then in 2002 something clicked, and I started tracking every dollar. I picked up a paper route at 40. Rick took a second job. In 18 months we paid off $45,000 of debt and funded two weddings.
We became completely debt free in 2021, house and cabin included. Rick retired in 2022. I retired in January 2026.
it’s how you manage what you have
From the blog
Simple, real-life money advice. No jargon.
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Free resources
Jumpstart Your Financial Freedom
A free email course that walks you through getting organized, one short email at a time. Start whenever you want.
The Freebies Library
Worksheets, category lists, and trackers.
The Facebook Group
A free community of families doing this together.
YouTube
Short money walkthroughs you can listen to while you fold laundry.
You’re not behind.
You’re not broken.
You just need to see the whole picture. Start with the free Household Snapshot.