The American
Money Trap
Vol. 01 · Practical resources
HomeownerMoney Toolkit
Understand the cost.Make the decision.
Premium Toolkits
The American Homeowner Money Toolkit
Make smarter homeownership decisions before they cost you thousands.
Seven practical tools for the decisions that make homeownership expensive: maintenance, contractors, renovations, energy upgrades and insurance. Built to be used with your own numbers — not generic averages.
Formats: Google Sheets · Excel (.xlsx) · PDF
$39
USD · one-time · planned price
Upcoming · Not on sale
This is a planned product. We'll decide what to release first based on what our audience finds most useful. Nothing can be purchased yet.
What's included
7 tools, one routine
Each part is designed to be used with your own figures — your bills, your quotes, your policy.
- 1
Home maintenance budget planner
List every major system, its age and replacement estimate, and get a monthly set-aside.
Sheets / Excel
- 2
Contractor quote comparison spreadsheet
Line up bids by scope, allowances, exclusions and payment schedule — not just the total.
Sheets / Excel
- 3
Renovation cost and payback calculator
Test a project's cost against realistic savings and how long you plan to stay.
Sheets / Excel
- 4
Energy upgrade break-even calculator
Compare upgrade costs with your actual utility bills and confirmed incentives.
Sheets / Excel
- 5
Home insurance review checklist
The questions to ask at every renewal: deductibles, exclusions, roof coverage, limits.
Printable PDF
- 6
Expensive home repair red-flag guide
Warning signs worth an inspection before they become emergency repairs.
PDF guide
- 7
Homeowner financial planning handbook
A practical handbook tying the tools together into a yearly money routine for your home.
PDF handbook
Why it exists
Built to help you ask better questions before you spend thousands.
Who it's for
- First-time buyers who want to understand the costs beyond the mortgage
- Long-time owners facing a big repair, renovation or upgrade decision
- Anyone comparing contractor quotes or reviewing an insurance renewal
- Homeowners who prefer working from their own numbers
Not designed for
- Anyone looking for personalized financial, legal or tax advice
- Real-estate investors needing rental-property modeling
How delivery works
- 1
Check out securely
Pay on Lemon Squeezy's hosted checkout. Sales tax or VAT is calculated automatically.
- 2
Download instantly
Your download link appears on the confirmation page and arrives by email.
- 3
Use your own numbers
Open the spreadsheets in Google Sheets or Excel, and print the PDFs if you like.
Files are delivered instantly by Lemon Squeezy, our payment and delivery partner, via a download link on the confirmation page and by email.
Questions
Frequently asked
When will the toolkit be available?
It is a planned product, not yet on sale. Subscribe to the newsletter and we'll let you know if and when it is released. Nothing can be purchased yet.
Do I need Excel?
No. The spreadsheets are planned for both Google Sheets (free with a Google account) and Microsoft Excel. Guides and checklists are PDFs you can print.
Is this financial advice?
No. The toolkit is educational. It helps you organize information and ask better questions; it does not replace a licensed professional who knows your situation.
How is payment handled?
Checkout will be handled by Lemon Squeezy, which acts as the merchant of record and processes payment securely. We never see or store your card details.
Can I get a refund?
Yes — see our refund policy. If the files are defective or not as described, contact us and we will make it right.
Refunds
If a file is defective, incomplete or not as described, contact us and we'll fix it or refund you. Full details, including information for buyers in the EU, are in our refund policy. This product is educational and is not financial advice.