HOLE IN YOUR WALLET?
Your paycheck lands, and a week later it's gone. This book shows you where it went and how to stop it: your real take-home pay, a plan for every payday, paying off cards and buy-now-pay-later, the new student loan rules, your first investment, and how to ask for more money.
Ebook coming soon to Apple Books, Kobo, Barnes & Noble and more.
Plain English. Real numbers. No lectures.
Nobody taught most of us how money moves. These books do it one decade at a time, with the rules as they actually are, every figure sourced, and real-life stories you'll recognise.
See it
Find your real number, where every dollar goes, and the leaks you didn't know you had.
Steady it
A plan for every payday, debt you can actually pay off, and a cushion for the surprises.
Protect and grow it
Your first investment, insurance that makes sense, a car that doesn't trap you, and the pay you deserve.
One book for every decade
Your money questions change every ten years. Each book in the Hole in Your Wallet? series is written for the one you're in now.
Free printable worksheets
Every worksheet from Book 1, ready to print and fill in by hand. 20 pages, in US Letter and A4.
- Your money check-in
- All 14 chapter worksheets, from your debt list to your net worth
- A 30-day spending audit and a bill calendar
- Your first 90 days, one step a week
You'll also hear when the next book is out.
About Zoe
Zoe Layne paid off about $25,000 of credit card debt across eleven cards in two years, with nothing fancier than a paper notebook and a pair of scissors.
She writes plain-English money books for women who were never taught how money works and are done pretending they were. She is not a financial adviser. She has simply been through it.
Budget tools from HerRichBudget
Want to put the book into practice on your phone? These simple tools from HerRichBudget do the maths for you.
Free $1K Savings Challenge
Tap a square every time you save. 46 squares gets you to $1,000.
Start for free →Payday Split app
Split every paycheck into bills, living and future the moment it lands.
Try the demo →More from HerRichBudget
Debt trackers, savings challenges and budget planners for real life.
Visit HerRichBudget →