Money Mastery.The Collective

Workbook 01

Money Mastery Personal

Your own money, in one book. Ten account tabs, the monthly pass, and a dashboard that tells you what actually happened rather than what you meant to happen.

  • Ten account tabs, so every card and account has a home
  • Statement upload from any bank, CSV, PDF or Excel
  • The categorization room, with suggestions, splits and receipts
  • Your dashboard, plus monthly and yearly overviews
  • Savings goals and bill tracking
  • Needs against desires, on the same screen as the totals
Where it lives

Included in every paid tier

All five workbooks come with Rise at $49.99 a month. You do not have to use them all in month one. Most women start with one and grow into the rest.

See the tiers

Inside the system

The month, handled in one sitting

This is the part nobody shows you on a pricing page.

01

You download a statement.

That is the only step you do by hand. Drop in a file from Chase, Amex, Capital One, Bank of America, Citi, Citizens, Discover, Square or anywhere else. The system works out which column is the date and which is the amount, and checks the signs against your running balance so a refund does not land as a purchase.

02

It already has a guess for most rows.

Clarity suggests a category for every transaction, learning first from your own past choices. Accept them all at once or work down the list. Bulk apply handles the forty identical charges. Everything auto saves, so you can close the tab mid sentence and lose nothing.

03

Needs and desires, side by side.

Every category carries a needs or desires label, so the dashboard can show you the split without you building a second report. It is the number most people avoid and the one that changes behaviour fastest.

04

Your dashboard stays true.

The income and expense sheets are the single source of every figure, and any edit anywhere marks the totals for a rebuild. Special labels for credit card payments, transfers and refunds keep a payment from being counted as an expense, which is the quiet way most spreadsheets start lying to their owner.

DashboardMoney Mastery
Income
$76,946.57
Last 12 months
Expenses
$35,250.86
Last 12 months
Net profit
$41,695.71
Income − expenses

Income vs ExpensesIncomeExpenses

JFMAMJJASOND

Top income

  • Side hustle income $35,054.56
  • Consulting $24,118.02
  • Product sales $17,773.99

Top expenses

  • Housing (H) $7,910.44
  • Clarity (H) $7,590.78
  • Auto (A) $5,771.11
The dashboard at the end of the monthly pass: twelve months of income against expenses, and the lines that moved it most. Drawn in the system’s own colours; the figures are an example year.
Categorize transactionsMoney Mastery
All 187Uncategorised 12Income 118Expense 69Search all fields…Apply to selected
01/03EMPLOYER DIRECT DEP #9327+$1,000.00Personalneed
01/03VANGUARD DIVIDEND+$340.62Investment inc.need
01/04MORTGAGE PAYMENT - ACH-$1,457.00H Housingneed
01/04STRIPE PAYOUT - FREELANCE+$596.85Freelance inc.need
01/06DOORDASH #1600-$46.42F Fast Fooddesire
01/06HEALTH INSURANCE PREMIUM-$299.05H Healthneed
The categorization room. Every row arrives with a suggestion already in it, the highlighted one is Clarity’s, and each carries a need or desire label, a split and a receipt. Example transactions.
And around all of it

The system alone is a spreadsheet.

The system inside the Collective is a room of women doing the same slow, honest work with their numbers. Every tier is in that room, from the free one up.

See the tiers Every capability

Start free

You can see your own numbers before you pay anyone.

La Soglia is the free tier and it stays free. The Net Worth Tracker copies into your own Google Drive and it is yours from that moment.

Take the free tracker See every tier