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Grace & Cents Money Starter Kit — Everything I'm Using to Save My First $1,000
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items I'm Sylvia — and I'm not a financial expert. I'm a real woman who was living paycheck to paycheck, spending without tracking, and feeling completely stuck with money. This list is everything I'm personally using to turn that around — the tools, books...
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Books
Tools & Courses
Community
Personal Finance
Books
This is the book that made personal finance feel actually doable for me. Ramit doesn't shame you for spending on things you love — he helps you automate the boring stuff so saving happens without willpower. Practical, funny, and written for real peop...
I Will Teach You To Be Rich: Ramit Sethi
The classic debt payoff and savings bible. Dave's Baby Steps framework is simple, structured, and has helped millions of people build their first emergency fund and pay off debt. Even if you don't follow every step, the mindset shift this book create...
The Total Money Makeover – Updated and Expanded Edition
If your biggest money block is mindset — fear, unworthiness, feeling like financial freedom isn't for people like you — this book is the one. Jen is funny, direct, and deeply practical about the inner work that has to happen before the outer work sti...
You Are a Badass at Making Money: Master the Mindset of Wealth
Tools & Courses
This is where I'd tell you to start. I made this free printable tracker to document my own $1,000 savings challenge — $50 a week for 20 weeks. It has 20 weekly checkboxes, milestone markers, a My Why section, and 6 tips to help you actually finish. C...
Free $1,000 Savings Challenge Tracker — Grace & Cents
I use Canva to create my savings tracker, my budget spreadsheets, and all my Pinterest content. The free version is genuinely powerful — you can build beautiful budget templates, vision boards, and spending trackers without any design experience. If ...
Canva — Free Design Tool for Budgeters and Creators
YNAB is the budgeting app I recommend for anyone who wants to get serious about where their money actually goes. It works on a zero-based budgeting system — every dollar gets a job. There's a free trial and it pays for itself almost immediately when ...
YNAB — You Need a Budget App
If you're building any kind of online income alongside your savings journey — and I think you should be — you need an email list. Mailchimp is free up to 500 contacts and takes about 20 minutes to set up. This is the tool I used to build my Grace &am...
Free Email Marketing Tools - Mailchimp
Payhip is where I host my free savings tracker and where Grace & Cents lives online. It's completely free to use — they take a small percentage only when you make a sale. You can sell digital downloads, courses, memberships, and more. If you want...
Payhip — Free Digital Product Shop
If you're building any kind of content alongside your financial journey, Awin is the affiliate network I recommend for anyone outside the US. Free to join, thousands of brands across finance, lifestyle, books, and digital tools. This is how I'm build...
Awin — Global Affiliate Network for Creators
Udemy regularly sells courses for $10 to $15 that would cost hundreds elsewhere. I recommend searching for: personal finance basics, Pinterest marketing, email marketing, and passive income for beginners. Learning one new skill per month compounds ov...
Udemy — Affordable Courses for Financial and Creator Skills
This mini-course is for anyone who is already creating content and wants to turn it into a digital product that sells on autopilot. Aariah Woods built a seven-figure business from nothing — she teaches you exactly how to go from idea to sellable digi...
Content to Cashflow — Bellah Roze Brand & Wealth Studio
f you want to build income online but don't know what to sell or how to start, this is the course. Aariah walks you through finding your product idea, building it fast, launching your store, and creating a system to repeat it — no experience required...
Digital Product Mastery — Create Your First Digital Product in 24 Hours
I created this because I needed it. For years payday felt like a 48-hour relief — money arrived and disappeared before I could even decide where it should go. The Financial Peace Payday Reset changed that completely. It's a 16-page digital checklist ...
Grace & Cents Financial Peace Payday Reset Checklist
Community
Pinterest is where I document my savings journey every single week. If you want real, honest money content — not highlight reels — come follow Grace & Cents. I post weekly savings updates, budgeting tips, money mindset content, and free resources...
Pinterest — The Best Free Traffic Tool for Saving Tips
Personal Finance
This is my origin story — why I started a savings challenge with no finance background, what my money life looked like before, and the three commitments I made to change it. If you're at the beginning of your own journey and wondering if someone like...
The Grace & Cents Blog — My Savings Journey