Dig yourself out of a hole?

This website will try to stabilize your finances for free.

  1. Here's what you need to do step by step

    Step 1

    Check what goes out

    Cancel anything you come across you don't need now and can cancel within five minutes. Get a feel for what you spend your money on you could save on.

  2. Step 2

    Know your big monthly expenses

    Rent or mortgage, energy, groceries, insurance, subscriptions, debt payments. The big lines, not every coffee.

    Net Income Calculator →
  3. Step 3

    See what comes in

    Salary, benefits, side income: the real net number that lands in your account.

    Calculate your net salary → 📥 Download the budget sheet (Excel)
    Works in Excel, Google Sheets, Numbers and LibreOffice. Also available in Dutch.
  4. Step 4

    Write it down

    Not in your head, but on paper or in a sheet. The moment it's written down, you can see the gap and act on it.

  5. Step 5

    Pay off or save first?

    Debt payoff planner →

  6. Next step: planning for the future

    Step 6

    What does it take to reach 1 million?

    Become a millionaire →
Personal story

How I dug myself out of a financial hole

A client didn't pay me. That was the moment I realized I had no clue where my money went.