Money, Simply
The 12-month plan to get out of debt, build a cushion and start investing — one step a month, in plain English.
$19.90 one-time · PDF e-book · 21 pages · instant download
One thing to do each month, in the order that people who are financially calm actually did it
Most money books are written for people who already have money. This one is for everyone else: a salary, some debt, not much saved, and the feeling you should be doing something. Twelve months, one step a month, none of them clever — and all of them in the right order, so you never invest while paying 20 percent on a card.
Months 1–3
See the numbers honestly, stop the bleeding in fixed costs, build the one-month starter cushion.
Months 4–6
List every debt, the avalanche, pay yourself first with automation.
Months 7–9
The 3–6-month emergency fund, free money (employer match, tax-advantaged accounts), investing the boring way.
Months 10–12
Insurance and the will, earning more, the annual review.
How it is written
Each month: the idea, this month's step (one to three hours, then automation), and the number to write on the one-page tracker.
Who this is for
Anyone with income and a vague sense of financial dread. General information, not personal financial, tax or investment advice — confirm specifics with a licensed professional in your country.
About the author
Meir Gilady is an Israeli entrepreneur and independent thinker based in Holon. Alongside a career in commercial real estate he builds software under the AILAMA name — including AILAMA Mind and ToolVerse — and writes about physics, technology and everyday wellbeing on Medium.
Questions
Which format? A PDF laid out for 6×9 in — reads well on a phone, tablet, laptop or printed. Refunds? Full refund within 30 days — reply to your Gumroad receipt.