Lumen Method

Clear Budget — Research-based budget planner

A budget method built on behavioural research, not willpower. Works in any currency.

$17

Buy now — $17

What's inside (35 A4 pages)

• “Why it works” guide with the studies cited
• A fully filled-in example month
• 12 monthly budgets: planned / actual / difference
• Yearly and irregular bills spread over 12 months
• 12 spending trackers and a year overview
• “When… then…” money rules, envelopes, debt payoff plan
• Money calendar and free debt-advice services (US, UK, CA, AU)

Printable PDF, A4 (also prints on US Letter). Print as often as you like for personal use. Download link emailed instantly.

14-day money-back guarantee. If it isn't right for you, one message is enough: full refund, no questions asked.

The Lumen Bundle gives you both planners for $27 instead of $34. See the bundle

FAQ

How do I get the planner?

Right after payment you get a download link by email. The PDF is yours immediately.

Can I print it more than once?

Yes, as often as you like for personal use. Print only the pages you need.

Does it work on a tablet (GoodNotes, Notability)?

Yes. Import the PDF and the side tabs become clickable links.

What paper size?

A4. It also prints on US Letter: choose “fit to page” in the print dialog.

What if it isn't right for me?

You have 14 days to ask for a full refund. One message is enough.

Why does it cost more than other printables?

You are not buying empty pages: each planner applies a method from published studies, explains why it works, and shows a filled-in example.

Buy now — $17