MONEY MANAGEMENT TOOLKIT - Budget, Track, Save & Plan

Stop guessing where your money goes! 💰

Know your numbers. Plan your money. Make informed decisions.

The MONEY MANAGEMENT TOOLKIT by Bate Dorothy Arrey is a 28-page practical workbook to BUDGET • TRACK • SAVE • PLAN.

WHAT'S INSIDE:

✓ Income Tracker + 3-Month Average formula

✓ Daily Expense Tracker (Need vs Want)

✓ Weekly & Monthly Budget Sheets

✓ Savings Goal Tracker

✓ Debt Payoff Tracker

✓ 30-Day No-Spend Challenge

✓ Monthly Financial Review

✓ Year at a Glance (Jan-Dec)

You get: Instant PDF download - printable + usable on phone/laptop.

Perfect for students, business owners and salary earners.

By Bate Dorothy Arrey | HolySceptre