See the whole month
Separate reliable income, fixed commitments and flexible expenses. Include bills that arrive just once a year.
Household Budget Planner with Matze
EINFACH MIT MATZE · ENGLISH EDITION
Make a plan for your everyday money.
Turn scattered bills and good intentions into a household budget you can review and adjust.
Household Budget Planner with Matze
8 practical lessons · 16 exercises · annual planner · offline calculator
€39 / US$39 one-time payment · Digital download
unconditional 60-day money-back guarantee
A useful routine, one decision at a time.
Practise with examples
Work through everyday situations, check the model answers, then apply the steps to your own household.
Keep improving
Compare your plan with actual spending. Use the monthly review and annual overview to choose your next small adjustment.
What you receive
- A 34-page English PDF with eight lessons, worked examples, 16 exercises and model answers.
- 376 fillable PDF fields for your answers and planning. PDF fields do not calculate automatically.
- A separate offline HTML budget calculator for a browser, including backup export.
- Monthly planning and annual overview pages, plus clear start instructions.
No bank connection, subscription or new account is required for the calculator. All example and calculator amounts are in EUR; there is no currency conversion.
Try the thinking before you buy.
An annual bill is still part of your monthly budget.
Your annual insurance bill is €600. It is due in four months, and €200 is already set aside. What monthly amount do you need until the bill arrives?
Show the worked answer
You still need €400. Divide that by four remaining saving months: €100 a month. Once the bill is paid, an ongoing annual allocation would be €600 ÷ 12 = €50 a month.
Keep the due date visible. A monthly allocation is a plan; it does not move money or pay the bill for you.
This is the approach throughout the course: understand the difference, calculate a concrete example, then make your own plan.
Your learning path
- Define your household and give your money a job.
- Plan income without relying on hoped-for payments.
- Record fixed costs and real due dates.
- Make flexible spending visible.
- Plan reserves without double-counting.
- Build a monthly budget you can actually use.
- Review results and make adjustments.
- Keep an annual overview and a sustainable routine.
For people who want a clear starting point.
Suitable for individuals and households who want to organise everyday spending themselves. You do not need spreadsheet expertise.
This is a self-study download, not a video programme, bank app or personal financial advice. It does not guarantee savings or resolve debt on your behalf.
Questions before you start
How do I get the files?
After purchase, use the download link provided by Digistore24. Extract the ZIP and read START.txt. Open the PDF in an application that supports form fields and the HTML calculator in a current browser.
Can I save my answers?
Yes. Save the completed PDF and reopen it to check your entries. The calculator uses local browser storage; export regular JSON backups because browser data can be cleared or restricted.
Can I use it in the UK, US or Ireland?
The learning material is English. All calculator amounts are labelled EUR, with no exchange-rate conversion or country-specific tax guidance. An unconditional 60-day money-back guarantee applies; request a return through your Digistore24 order confirmation.
Is this a subscription?
No. €39 / US$39 is a one-time payment for the stated digital package. Please review the final total shown on the Digistore24 order form before ordering.
Where can I ask a product question?
Contact info@einfachhaltbar.de. The purchase confirmation contains your order details and return options.
Start with your next month, not a perfect year.
Get the English planner · €39 / US$39unconditional 60-day money-back guarantee · Personal use licence · Digital download
Unconditional 60-day money-back guarantee
Request a full refund within 60 days of your first payment through the support link in your Digistore24 order confirmation or email info@einfachhaltbar.de with your order number. No reason or proof of results is required. Downloading or using the materials does not remove this guarantee. Your statutory rights remain unaffected.
UK and Ireland purchases
UK: £39 one-time. Ireland: €39 one-time. Both include an unconditional 60-day money-back guarantee. Availability depends on Digistore24 reseller approval and your checkout country.
Open UK pound checkout · Open euro checkout for Ireland