Imagine a life where bills don’t cause panic, credit card balances are ancient history and you feel a comforting sense of security from the fully funded emergency savings account you’ve built

Welcome to your future with….

smart spending

the ONLY digital budget planner you’ll need to take you from financial uncertainty to budgeting brilliance!

Digital budget planner
flash sale!

GRAB THIS EXCLUSIVE DIGITAL BUDGET PLANNER DEAL. THIS UNBEATABLE DISCOUNT IS AVAILABLE RIGHT NOW. BUT ONLY IF YOU BUY BEFORE THE TIMER RUNS OUT!

  

one time payment

Please note: this is a digital product

From above of open netbook with black screen and cup of coffee with smartphone and notebook placed on crumpled bed sheet in bedroom with big vase on floor

Does this sound familiar?

oftentimes you feel…

1

buried in the mountain of credit card debt

2

overwhelmed by the never ending bills

3

desperate for a clear path to financial freedom

Girl, I see you

I’ve been in your shoes.. and there is a better way!

Imagine a life where you no longer have to worry about the next bill or unexpected expense. A life where you can afford to buy your dream car (with CASH!), take a vacation, or even retire early. It’s possible, and it starts with taking that first step.

Don’t let financial stress and debt control your life any longer. Take the first step towards financial freedom. Grab Smart Spending, the only digital budget planner you’ll ever need and transform your financial future.


Please note: this is a digital product

Let’s get down to business

Why Choose this Digital Budget Planner

The heavy burden of feeling out of control with your finances doesn’t have to shape your financial story. With Smart Spending, you can reclaim your financial freedom, create a plan to pay off your debts, and pave the way for wealth and prosperity.

Discover why so many women are choosing the Smart Spending digital budget planner over any other digital budgeting options in the market today…

Digital budget planner

Fully Customizable Digital Budget Planner

The secret to an effective spending plan is tailoring it to your unique needs and circumstances. Many digital budget planners overlook this crucial factor. That’s why considerable time and research have been invested in developing this digital budget planner that can be fully adapted to your specific needs, regardless of how you earn or spend your money.

Digital budget planner

Experience-Based Design

Unlike other digital budget planners, Smart Spending stands out by acknowledging and accommodating for human error. Many times, a single mistake can derail us from our financial goals and make budgeting an unpleasant experience. Smart Spending anticipates these hiccups and factors them in, ensuring you stay on track and maintain a positive relationship with your spending plan.

Digital budget planner

Efficient & Easy

Say goodbye to spending countless hours building a digital budget from the ground up. Smart Spending comes with all the necessary formulas and formatting, allowing you to have a functional budget up and running in no time. It also includes over 60 minutes of instructional tutorials to guide you through the process of setting up your spending plan, step by step.

Behind the DIGITAL BUDGET PLANNER

Hi, I’m Krista

As the creator of Smart Spending, I understand the burden of financial instability. My husband, Cully, and I once found ourselves in over $100k of unsecured debt. A mountainous sum that left us constantly stressed, frequently arguing over finances, and feeling trapped in an endless cycle of debt.

We were familiar with the sleepless nights consumed by worrying about bills, the heated debates over every dollar spent, and the sinking sensation of falling deeper into debt.

However, our narrative took a dramatic turn. The catalyst? Smart Spending. This powerful digital budget planner evolved into our lifeline, illuminating a path through the financial fog. By taking control of our finances, we make our money work for us instead of the other way around.

Fast forward five years, and our financial landscape has completely transformed. We’ve paid off that $100k+ of debt, accumulated enough savings to purchase our dream tiny homes on a picturesque 10-acre plot, and established a fully-funded emergency savings account. The stress, arguments, and sleepless nights have faded into the past.

Our journey wasn’t easy—it demanded discipline, sacrifice, and a steadfast commitment to our financial goals. And it all started with Smart Spending. And now, I want to share this transformative tool with you now. This isn’t just a Google worksheet; it’s a roadmap to financial freedom. It revolutionized our lives and it holds the potential to do the same for yours.

My money seems to disappear as soon as it comes in. I have no idea where it’s all going.


Smart Spending tracks all incoming and outgoing money, giving you a complete understanding of your financial habits and helping you regain control.

“No matter how hard I try, I can’t seem to save any money. Unexpected expenses always come up and wipe out any progress I’ve made.”


Smart Spending helps you identify areas areas where you can cut back, freeing up money for savings and keep you motivated to stick to your savings plan.

“I’m drowning in debt and I can’t keep up with the payments. Every time I make a payment, it feels like I’m just scratching the surface.”


Smart Spending is designed to help you take control of your debt. By tracking your income and expenses, it provides a clear picture of your financial situation. This understanding allows you to create a realistic payment plan, helping you chip away at your debt more effectively.

“I’m constantly stressed about money. It feels like I’m always worrying about bills, debt, and unexpected expenses. I can’t seem to find peace of mind.”


Smart Spending reduces financial stress by providing a clear view of your finances. It helps balance your budget, manage bills, reduce debt, and prepare for unexpected costs, giving you peace of mind and control over your money.

You’re just one step away

Are you ready to stop procrastinating and start doing?

Begin your transformative journey towards financial freedom with Smart Spending. The only digital budget planner you’ll ever need.

GRAB SMART SPENDING FOR ONLY $17.

  

This incredible offer is a one-time deal. Once the timer runs out, you’ll miss out on this amazing savings and the regular rate of $47 will apply.

SIGN ME UP!

FAQ

Spart Spending is a digital budget planner that is delivered via a fully customizable Google Worksheet. You will need to have a (free) Google account in order to access the file.

Smart Spending is formatted in USD. Since it is fully customizable, you are always welcome to revise the currency format to fit your needs.

Right after purchase! Smart Spending is a digital product that will be emailed to you (from hi@krista-howard.com) within moments after checkout. No physical product will be mailed.

A basic knowledge of Google Sheets is helpful, but not necessarily required. The beauty is, all the formulas, formatting, etc… are already done for you! And, full video step by step instructions on how to use the sheet are included with your purchase.

Due to the digital nature of the product, all sales are final and there are no refunds.