Your money, itemized.

Six practical tools — planners, trackers, and an AI companion — built to show you exactly where your money goes and how to take it back, line by line.

Pay with Selar₦25,000 · card, bank transfer Pay with Gumroad$27 · international cards

Instant download after payment · lifetime access

Sample entry — Debt Freedom Planner

Opening balance, this month₦0.00

Debt cleared with a snowball plan₦48,200.00

Spending you can finally see100%

Most budgeting advice assumes you already know where your money goes. In practice, it disappears between naira and dollars, between paydays, between "I'll track it next month."

The Plainline Finance Vault isn't a course. It's the six documents I'd hand a client if I were still sitting across a desk from them at the bank — built to be opened, filled in, and used the same day.

What's in the Vault

Six tools, one price. Every item works on its own — together, they cover planning, tracking, and staying on plan.

	Item	Format
01	Debt Freedom Planner Snowball and avalanche payoff tracker — see your debt-free date change as you pay.	Excel
02	Multi-Currency Budget Tracker Automatic budgeting across two currencies, for anyone earning or spending in more than one.	Excel
03	Money Reset Kit A short, structured reset for when your budget has fallen apart and you need a clean start.	Excel + PDF
04	Safe to Spend Tells you, in one number, what's actually free to spend today after bills and savings.	Excel
05	Budget by Paycheck Weekly, biweekly, and monthly budgeting for however often you actually get paid.	Excel
06	Debt Freedom AI Companion 30 prompts to talk through your plan with AI when you need a second opinion, on demand.	PDF
	Bundle total	₦45,000₦25,000

"I spent 18 years on the other side of the desk, watching what actually helps people get out of debt — and what's just advice that sounds good."

Vincent Ewere, Founder — formerly Sterling Bank & Springbank

years in commercial banking & credit risk

tools, built from real client conversations

No account, no app, no subscription.

Everything is a file you download and keep. Open it in Excel or Google Sheets, fill in your own numbers, and it's yours — no login, no monthly fee, nothing to cancel.

DOWNLOAD
& KEEP

Questions

What do I actually receive after paying?+

A download link with all six files — five Excel workbooks and one PDF guide. No physical product is shipped.

Do I need to know Excel well to use this?+

No. Every sheet is built to be filled in, not built from scratch — you're entering numbers into cells that are already set up and formatted for you.

Does this work if I earn in more than one currency?+

Yes — the Multi-Currency Budget Tracker and Budget by Paycheck are both built for exactly that.

Which payment option should I use?+

If you're paying from Nigeria, Selar supports bank transfer and Naira cards directly (₦25,000). If you're paying from outside Nigeria or prefer an international card, use Gumroad ($27). Both give you the same six files.

Start with what you have, this payday.

Get all six tools now and open the one you need first — the Debt Freedom Planner, the tracker, or the reset. There's no wrong place to start.

Pay with Selar₦25,000 · card, bank transfer Pay with Gumroad$27 · international cards

Instant download after payment