Finance Without Filter — Ebook + Excel Tracking Sheet

⚠️ Note: This ebook is written in Spanish only. No English version available.

Does your money disappear before the end of the month?

The problem isn't how much you earn. It's that no one taught you how to manage money. With this pack, you'll have the complete system: the ebook with all the knowledge and the Excel spreadsheet to apply it from day one.

What's included in this pack?

• 📘 PDF Ebook: Unfiltered Finances — 29 pages with the complete personal finance system
• 📊 Excel Tracking Spreadsheet — 7 sheets to track budget, debts, investments, and net worth

What you'll find in the ebook

Chapter 1 — The 30% Rule
The 50/30/20 method, the emergency fund, and how to find the money you already have.

Chapter 2 — Getting Out of Debt Forever
Snowball, avalanche, negotiating with creditors, and credit score.

Chapter 3 — Investing for Beginners
ETFs, compound interest with real numbers, dollar-cost averaging, and risk tolerance.

Chapter 4 — Extra Income
The 3 types of income and the most accessible sources to generate a second salary in 2026.

Chapter 5 — The Map to Financial Freedom
The 5 levels, the FIRE movement, and how to calculate your FI Number.

Chapter 6 — The 7 Money Habits
The behaviors that separate those who progress from those who stay the same.

Chapter 7 — Money Psychology
The cognitive biases that sabotage your finances and how to counter them.

Bonus — 90-Day Plan
Week by week, from where you are to where you want to be.

What the Excel spreadsheet includes

• 📊 Dashboard — automatic summary of your entire financial situation
• 💳 Monthly budget — tracker with 50/30/20 method
• 💸 Debt tracker — with payoff projection and chosen method
• 🛡️ Emergency fund — goal, progress, and deposit history
• 📈 Investment portfolio — performance tracking
• 🏦 Net worth — month-to-month evolution
• 📖 Instructions — how to use each sheet

📥 Format: PDF (29 pages) + Excel (.xlsx) · 2026 Edition
⚡ Access: Immediate after purchase — direct download

⚠️ Note: This ebook is written in Spanish only. No English version available.