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    Financial Calm Planner

    Printable PDF Planner
    ✔ Simple money buckets: Living – Safety – Family – Growth
    ✔ Weekly pages + Monthly review (only 20 minutes)
    ✔ Track your financial anxiety
    ✔ Every page = One question, one decision, one action
    Result: Clarity, calm, and a sense of control

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    Decision Card System

    Decision cards for real-life situations: family pressure, fear of saving, selling an investment, unexpected expenses…
    Each card shows: What not to do, what to do now, when to return to the planner
    Result: Calm decisions and confidence instead of overthinking

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    Emergency Rules Sheet

    ✔ One simple sheet with clear rules:
    When to stop spending, when to act, what is forbidden during stress
    ✔ Written in short, easy-to-follow sentences
    Result: Automatic, calm reactions instead of panic

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    Money Calm Audio

    ✔ Before a financial decision
    ✔ During anxiety
    ✔ After a financial shock or bad news
    Result: Immediate calming + fewer emotional mistakes

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