Monydo

Most Monydo products are delivered as PDFs plus editable companion files — usually Google Sheets links and printable worksheets. Product pages list the exact formats included so you know before you buy.

Right after checkout you'll see a download page, and Gumroad emails you a receipt with a download link. You can also sign in at gumroad.com/library any time to re-download everything you've bought.

Search your inbox for the receipt from Gumroad — the link inside doesn't actually expire as long as you're signed in with the email you purchased with.

If you can't find it, log in at gumroad.com/library or email me and I'll resend the receipt.

Yes. When I update a product, everyone who already bought it gets the new version at no extra cost — Gumroad emails you a note with the fresh download.

If a product isn't working for you, email me within 30 days of purchase and I'll refund it. No forms, no hoops — just tell me what didn't click so I can keep improving.

Every purchase includes a personal license: use the product for your own budgeting, planning, and household. You can print it, duplicate the sheets into your own Google Drive, and tweak them for yourself.

You can't resell, redistribute, or repackage the files, and you can't use them as-is inside a paid product, course, or client deliverable. If you'd like to license something for a team or business, email me and we'll sort out a commercial arrangement.

PDFs open on anything — phone, tablet, laptop, or a printer. The spreadsheets are built for Google Sheets (free with any Google account) and also open in Excel and Numbers, though a few formulas may need small tweaks outside Sheets.

Easiest way is email — I read every message myself and usually reply within a couple of business days. Scroll down for the contact link.

Yes. Send me a short note about what's tripping you up — irregular income, joint accounts, debt payoff, whatever — and I'll point you at the right part of the guide (or make a small tweak if it's a common snag).