The ebook
From Paycheck to Freedom
65 illustrated pages: ten steps, worked examples with real numbers, action steps, a five-year case study and printable worksheets.
For salaried employees
Stop living from one salary to the next.
A 65-page step-by-step guide plus two Excel tools that plan every paycheck and track your net worth.
65 pages14 chapters, 30+ charts
2 Excel toolsPlanner and dashboard
Excel, PDF, WordType it or print it
Any currencyTZS, KES, USD and more
Your salary is not too small. It is unplanned.
When nothing is decided before payday, the month decides for you. Rent, loans, family requests and small daily spending take it all, and saving waits for leftovers that never come.
Where an unplanned $1,500 salary goes
Example from the book. Red = unplanned or borrowed money.
Rent and utilities
$520
Food and household
$330
Loan repayments
$180
Family requests
$160
Small daily spending
$160
Transport
$150
Savings
$0
Spent before the next payday$1,500 of $1,500
Everything you need to plan, track and grow your money.
One download. A book that explains each step, and tools that do the arithmetic every payday.
Two Excel tools
Paycheck Planner and Wealth Dashboard
Enter your numbers in the blue cells. Budgets, sinking funds, debt payoff dates and your freedom number update for you.
Printable and editable
24 worksheet pages, PDF and Word
Prefer pen and paper? Print a budget page for every paycheck, or edit the Word version for your family.
Ten steps, in the order that works.
Each chapter ends with one action step, so you change your bank balance, not just what you know.
01Know your real paycheck
Gross pay, deductions and the only number you can budget.
02Set goals with numbers
Turn wishes into a target, a date and a monthly amount.
03Give every dollar a job
Plan each salary before it arrives, until nothing is unassigned.
04Close the spending leaks
Budget versus actual, and the small habits that cost a lot.
05Build sinking funds
School fees, insurance and December, saved for in advance.
06Size your emergency fund
Three to six months of essentials, kept apart from everything else.
07Pay off debt with a plan
Snowball or avalanche, with a debt-free month you can see.
08Track your net worth
What you own minus what you owe, updated every month.
09Invest and let time work
Compound growth, fees, and portfolios by stage.
10Find your freedom number
The amount that makes work a choice, and how fast you can reach it.
See the tools before you buy.
Real screens from the workbooks, filled with the sample data they open with.
- List every item as a Need, Want or Goal
- Unassigned turns green at zero
- Split check against your 50/30/20 target
- Income, spending and saving for the month
- Planned versus actual by type
- Sinking fund and goal progress
- Net worth, assets and debts each month
- Debt-free month and health score out of 10
- Path to your freedom number
- Lean, comfortable and full freedom numbers
- 40-year projection with your own assumptions
- Years to freedom by savings rate
Try it
How much would make work optional for you?
This is the freedom number from Chapter 10. Change the numbers and see how your savings rate moves the date.
Estimate only. Uses a 5% yearly return after inflation and the withdrawal rate you choose. Real returns vary and can be negative. Not financial advice.
This is for you if
- Your salary is gone before the next payday
- School fees, insurance or December keep catching you off guard
- You carry loans, a credit card or salary advances
- You support family and want a plan that still leaves room to save
- You want to invest but do not know how much is enough
It is not for you if
- You want trading tips or a get-rich-quick scheme
- You want someone else to manage your money for you
- You need bookkeeping for a business. Read Know Your Real Profit instead
Launch price
The complete toolkit, one download.
- 65-page illustrated ebook (PDF)
- Paycheck Budget & Sinking Funds Planner (Excel, PDF, Word)
- Net Worth & Financial Freedom Dashboard (Excel, PDF, Word)
- Works in Excel and Google Sheets, in any currency
$29$39
or TZS 75,000 TZS 100,000
Launch price ends on 8 December 2026
Get the toolkit
Secure checkout and instant download on Selar
Questions before you buy
What exactly do I get?
One ZIP download with 7 files: the 65-page ebook (PDF), the Paycheck Budget & Sinking Funds Planner and the Net Worth & Financial Freedom Dashboard, each as an Excel workbook, a printable PDF and an editable Word file.
Do I need Microsoft Excel?
No. The workbooks also open in Google Sheets, which is free. Upload the file to Google Drive and open it there. If you prefer paper, print the PDF worksheets.
My salary is in TZS or KES. Will it work?
Yes. The tools have no fixed currency symbol, so they work in TZS, KES, UGX, USD or any other currency. The examples in the book use US dollars to keep the arithmetic easy to follow.
Can I use it on my phone?
The ebook and printable PDFs read well on a phone. The Excel tools are easiest on a laptop, but they also open in the Excel and Google Sheets mobile apps.
I have loans and salary advances. Is this for me?
Yes. Chapter 7 and the Debt Payoff sheet show you how to list every debt, choose the snowball or avalanche method, and see the month you become debt-free.
How do I pay and receive the files?
You pay securely on Selar and get the download link straight away, plus a copy by email. Selar shows the payment options available in your country at checkout.
When does the launch price end?
The $29 / TZS 75,000 launch price ends on 8 December 2026. After that the price returns to $39 / TZS 100,000.
Is this financial advice?
No. It is an educational guide and a set of tools. Examples are illustrations, and investment returns in them are assumptions. Speak to a licensed adviser before large investment or tax decisions.