{"title":"Plan \u0026 Decide","description":"\u003cp\u003eDigital workbooks for a goal, a household discussion or a considered next step. English-language PDFs.\u003c\/p\u003e","products":[{"product_id":"a-small-savings-practice","title":"A Small Savings Practice","description":"\u003cp\u003e\u003cstrong\u003eDigital PDF workbook · 8 pages · English\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eThis workbook is a record for a personal goal. It helps you state what an amount is for, distinguish an intention from a completed contribution and review the record when circumstances change. It does not recommend an account, investment or financial product, and it does not promise that a target can be reached. Use a goal and figures that you can verify for yourself. If there is not yet an amount available to assign, the honest entry is not yet assigned. A useful plan can include a smaller goal, a changed date or an open question.\u003c\/p\u003e\u003ch2\u003eWhat you will practise\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eWrite the purpose of one goal clearly.\u003c\/li\u003e\n\u003cli\u003eSeparate intended contributions from completed ones.\u003c\/li\u003e\n\u003cli\u003eUpdate a remaining amount without hiding withdrawals.\u003c\/li\u003e\n\u003cli\u003eUse a review date as a check-in rather than a promise.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eInside your download\u003c\/h2\u003e\u003cp\u003eOne complete 8-page PDF: an introduction, a three-part method, a fictional worked example, two printable worksheets, a seven-step practice and a closing review.\u003c\/p\u003e\u003cp\u003eDownload links are provided on your order page and by email after successful payment. English-language PDF for personal and household use. Print it or annotate it with a compatible PDF reader; it is not an interactive fillable form. Cover images are illustrative mockups. No physical item is shipped.\u003c\/p\u003e\u003cp\u003eEducational reading, not financial, investment, tax or legal advice. No financial result is promised. Your statutory consumer rights remain unaffected.\u003c\/p\u003e","brand":"Horizon Solace","offers":[{"title":"Default Title","offer_id":55744833159505,"sku":null,"price":13.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1095\/4735\/6497\/files\/solace-a-small-savings-practice.webp?v=1794268553"},{"product_id":"the-shared-expenses-notebook","title":"The Shared Expenses Notebook","description":"\u003cp\u003e\u003cstrong\u003eDigital PDF workbook · 8 pages · English\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eShared expenses are easier to discuss when everyone is looking at the same record. This notebook helps a household describe an agreement, list completed payments and identify what is still unsettled. It does not decide what arrangement is fair for you, create a contract or replace legal advice. Begin with one period and one small set of shared costs. Ask each person to check the entries that relate to them. A question or disagreement should stay visible until the people involved resolve it, rather than being made to disappear in a total.\u003c\/p\u003e\u003ch2\u003eWhat you will practise\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eWrite down which costs are included.\u003c\/li\u003e\n\u003cli\u003eRecord the agreed split separately from completed payments.\u003c\/li\u003e\n\u003cli\u003eShow who paid the provider and who reimbursed whom.\u003c\/li\u003e\n\u003cli\u003eMark a question as unresolved instead of treating silence as agreement.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eInside your download\u003c\/h2\u003e\u003cp\u003eOne complete 8-page PDF: an introduction, a three-part method, a fictional worked example, two printable worksheets, a seven-step practice and a closing review.\u003c\/p\u003e\u003cp\u003eDownload links are provided on your order page and by email after successful payment. English-language PDF for personal and household use. Print it or annotate it with a compatible PDF reader; it is not an interactive fillable form. Cover images are illustrative mockups. No physical item is shipped.\u003c\/p\u003e\u003cp\u003eEducational reading, not financial, investment, tax or legal advice. No financial result is promised. Your statutory consumer rights remain unaffected.\u003c\/p\u003e","brand":"Horizon Solace","offers":[{"title":"Default Title","offer_id":55744853770577,"sku":null,"price":15.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1095\/4735\/6497\/files\/solace-the-shared-expenses-notebook.webp?v=1794268646"},{"product_id":"a-clearer-subscriptions-list","title":"A Clearer Subscriptions List","description":"\u003cp\u003e\u003cstrong\u003eDigital PDF workbook · 8 pages · English\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eA subscription list is a reference you can return to when a renewal notice arrives. These pages help you identify the service, the billing period, the current source of the price and any action you choose to take. The workbook does not cancel a service, change an agreement or guarantee that a provider will accept a request. Check terms and dates with the provider itself. Begin with services you can verify rather than guessing from memory. Include free trials if you use them, but label a trial separately from an existing paid subscription.\u003c\/p\u003e\u003ch2\u003eWhat you will practise\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eRecord billing period as well as price.\u003c\/li\u003e\n\u003cli\u003eDistinguish a free trial, renewal and completed charge.\u003c\/li\u003e\n\u003cli\u003eFind the provider's actual cancellation or change process.\u003c\/li\u003e\n\u003cli\u003eKeep confirmation of an action, not just an intention.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eInside your download\u003c\/h2\u003e\u003cp\u003eOne complete 8-page PDF: an introduction, a three-part method, a fictional worked example, two printable worksheets, a seven-step practice and a closing review.\u003c\/p\u003e\u003cp\u003eDownload links are provided on your order page and by email after successful payment. English-language PDF for personal and household use. Print it or annotate it with a compatible PDF reader; it is not an interactive fillable form. Cover images are illustrative mockups. No physical item is shipped.\u003c\/p\u003e\u003cp\u003eEducational reading, not financial, investment, tax or legal advice. No financial result is promised. Your statutory consumer rights remain unaffected.\u003c\/p\u003e","brand":"Horizon Solace","offers":[{"title":"Default Title","offer_id":55744854393169,"sku":null,"price":12.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1095\/4735\/6497\/files\/solace-a-clearer-subscriptions-list.webp?v=1794268636"},{"product_id":"the-pause-before-purchase-workbook","title":"The Pause-Before-Purchase Workbook","description":"\u003cp\u003e\u003cstrong\u003eDigital PDF workbook · 8 pages · English\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eA pause before a purchase is a chance to make the information easier to see. This workbook helps you describe an item, record the full price you can verify and consider practical alternatives. It does not tell you which purchase to make or promise that waiting will save money. Sometimes the useful result is a decision to buy, sometimes to wait and sometimes to ask a question. Choose an ordinary purchase you are considering and use the pages before committing to it. For financial, legal or specialist product advice, consult an appropriate qualified source separately.\u003c\/p\u003e\u003ch2\u003eWhat you will practise\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eName the purpose of a proposed purchase.\u003c\/li\u003e\n\u003cli\u003eDistinguish a checked total from a headline price.\u003c\/li\u003e\n\u003cli\u003eCompare alternatives using the same question.\u003c\/li\u003e\n\u003cli\u003eWrite the reason for a decision and a review date.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eInside your download\u003c\/h2\u003e\u003cp\u003eOne complete 8-page PDF: an introduction, a three-part method, a fictional worked example, two printable worksheets, a seven-step practice and a closing review.\u003c\/p\u003e\u003cp\u003eDownload links are provided on your order page and by email after successful payment. English-language PDF for personal and household use. Print it or annotate it with a compatible PDF reader; it is not an interactive fillable form. Cover images are illustrative mockups. No physical item is shipped.\u003c\/p\u003e\u003cp\u003eEducational reading, not financial, investment, tax or legal advice. No financial result is promised. Your statutory consumer rights remain unaffected.\u003c\/p\u003e","brand":"Horizon Solace","offers":[{"title":"Default Title","offer_id":55744855212369,"sku":null,"price":10.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1095\/4735\/6497\/files\/solace-the-pause-before-purchase-workbook.webp?v=1794268653"},{"product_id":"your-seasonal-costs-planner","title":"Your Seasonal Costs Planner","description":"\u003cp\u003e\u003cstrong\u003eDigital PDF workbook · 8 pages · English\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eSome household costs appear only a few times a year. A monthly record can miss their timing even when a date is already known. This planner gives occasional costs their own list and separates a known bill from an estimate or a possibility. It does not forecast every future cost or guarantee that money will be available when a payment is due. Start with dates and sources you already have. Keep estimates dated, and return to them when a provider or your circumstances supply better information.\u003c\/p\u003e\u003ch2\u003eWhat you will practise\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eList occasional costs without duplicating regular entries.\u003c\/li\u003e\n\u003cli\u003eRecord the source of a date and amount.\u003c\/li\u003e\n\u003cli\u003eSeparate a comparison figure from actual payment timing.\u003c\/li\u003e\n\u003cli\u003eUpdate a changed estimate without losing the reason.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eInside your download\u003c\/h2\u003e\u003cp\u003eOne complete 8-page PDF: an introduction, a three-part method, a fictional worked example, two printable worksheets, a seven-step practice and a closing review.\u003c\/p\u003e\u003cp\u003eDownload links are provided on your order page and by email after successful payment. English-language PDF for personal and household use. Print it or annotate it with a compatible PDF reader; it is not an interactive fillable form. Cover images are illustrative mockups. No physical item is shipped.\u003c\/p\u003e\u003cp\u003eEducational reading, not financial, investment, tax or legal advice. No financial result is promised. Your statutory consumer rights remain unaffected.\u003c\/p\u003e","brand":"Horizon Solace","offers":[{"title":"Default Title","offer_id":55744855867729,"sku":null,"price":16.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1095\/4735\/6497\/files\/solace-your-seasonal-costs-planner.webp?v=1794268660"}],"url":"https:\/\/horizonsolace.site\/collections\/plan-decide.oembed","provider":"Horizon Solace","version":"1.0","type":"link"}