{"title":"Financial Control","description":"\u003cp class=\"p1\"\u003e\u003cb\u003eFinancial systems designed to bring clarity, discipline, and calm control to money.\u003c\/b\u003e\u003cb\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cp class=\"p1\"\u003eThis collection focuses on finance and abundance planning tools, budgeting systems, debt and savings frameworks, and structured money check-ins—built to support intentional financial decision-making without pressure or overwhelm.\u003c\/p\u003e\n\u003cp class=\"p1\"\u003eCreated for individuals who value stability, awareness, and long-term alignment between income, spending, and purpose.\u003c\/p\u003e","products":[{"product_id":"sev-finance-abundance-planner","title":"SEV Finance \u0026 Abundance Planner","description":"\u003cp\u003eMoney feels calmer when it has a plan and a place to be written down. This planner gives it both, in seven stages you can start in any month.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSet your direction: a financial vision, the year at a glance, your values and what money is for.\u003c\/li\u003e\n\u003cli\u003ePlan the month: a simple one-page budget, or a detailed budget for income, fixed and variable costs.\u003c\/li\u003e\n\u003cli\u003eTrack as you go: pages for expenses, bills, income, pay and cash flow.\u003c\/li\u003e\n\u003cli\u003eBuild and protect: savings goals, progress bars, an emergency fund and sinking funds.\u003c\/li\u003e\n\u003cli\u003eReduce debt: an overview, then the snowball or avalanche method, and a credit card tracker.\u003c\/li\u003e\n\u003cli\u003eGive and spend with intention: giving, conscious spending and a no-spend challenge.\u003c\/li\u003e\n\u003cli\u003eReview: a weekly check-in, a monthly budget review, a quarterly reflection and a year-long log of wins and lessons.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eThe pages are undated and currency-neutral: write in pounds, dollars or any other currency.\u003c\/p\u003e\n","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":52391994982742,"sku":null,"price":18.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/SEV-Finance-v2-2-01_cover-and-pages.jpg?v=1791975138"},{"product_id":"sev-monthly-budget-planner-lite","title":"SEV Monthly Budget Planner — Lite","description":"\u003cp\u003eA budget does not need to be complicated to work. This lite planner gives you one clear set of pages for each month, from the plan to the reflection.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003ePlan: a one-page monthly budget overview, budgeted against actual, by category.\u003c\/li\u003e\n\u003cli\u003eRecord: income and fixed expenses, and variable expenses with six common categories already listed.\u003c\/li\u003e\n\u003cli\u003eSnapshot: your savings goals and debts for the month, side by side.\u003c\/li\u003e\n\u003cli\u003eReflect: three questions and a 1–10 score for how financially aligned the month felt.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eThe pages are undated and currency-neutral. Print a fresh set each month. If you own the SEV Finance \u0026amp; Abundance Planner: its budget pages already cover this in more detail. This is the lighter, standalone edition for anyone who wants a simple monthly budget.\u003c\/p\u003e\n","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":52484099047766,"sku":null,"price":7.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-monthly-budget-planner-lite-01_cover-and-pages.jpg?v=1793035128"},{"product_id":"sev-debt-payoff-system","title":"SEV Debt Payoff System","description":"\u003cp\u003eDebt feels lighter once it is written down and given a plan. This system gives you a clear path, one step at a time, without judgment.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003ePlan: list every creditor, balance, interest rate, minimum payment and due date. Then choose your strategy and set out your plan on one page: total debt, minimum payments, monthly extra and a target payoff date.\u003c\/li\u003e\n\u003cli\u003eChoose a method: the snowball method (smallest balance first), the avalanche method (highest interest first), or a hybrid of the two. Snowball and avalanche are each explained, each with its own tracking table.\u003c\/li\u003e\n\u003cli\u003eTrack: a monthly payment log, and a progress gauge from 0% to 100% to colour in as your debt reduces.\u003c\/li\u003e\n\u003cli\u003eReflect: four questions each month, on progress, challenges, pride and what to adjust.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eThe pages are undated and currency-neutral: write in pounds, dollars or any other currency. If you own the SEV Finance \u0026amp; Abundance Planner: it already includes a debt overview and snowball and avalanche trackers; this system adds the method explanations, a strategy choice, a one-page plan, a monthly payment log, a progress gauge and a monthly reflection.\u003c\/p\u003e\n","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":52484141908310,"sku":null,"price":10.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/SEV-Debt-v2-0-01_cover-and-pages.jpg?v=1791975271"},{"product_id":"sev-savings-and-goals-planner","title":"SEV Savings \u0026 Goals Planner","description":"\u003cp\u003eSaving is easier to keep up when every goal and fund has a place, and progress is visible. This planner gives each part of your savings its own page.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eGoals: a savings goals overview (target, current savings, monthly contribution, target date, status), and a goal progress tracker by quarter.\u003c\/li\u003e\n\u003cli\u003eSinking funds: plan each fund (what it is for, how much, by when), then track its balance as you contribute.\u003c\/li\u003e\n\u003cli\u003eMonthly: a twelve-row savings tracker for income, expenses, savings amount and savings rate, with a note on how to work the rate out.\u003c\/li\u003e\n\u003cli\u003eYear and safety: an annual savings summary by category, and an emergency fund tracker with a target and a monthly log.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eThe pages are undated and currency-neutral. Write in pounds, dollars or any other currency. If you own the SEV Finance \u0026amp; Abundance Planner: it already has a savings goals page, an emergency fund page and a sinking funds overview. This planner adds a sinking funds tracker, a monthly savings tracker with savings rate, an annual savings summary and a quarterly goal progress tracker.\u003c\/p\u003e\n","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":52484200989014,"sku":null,"price":9.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-savings-and-goals-planner-01_cover-and-pages.jpg?v=1793005597"},{"product_id":"sev-financial-reset-workbook","title":"SEV Financial Reset Workbook","description":"\u003cp\u003eSometimes the most useful financial step is to stop, look honestly at where you are, and choose a direction again. This workbook takes you through that reset, page by page, without judgment.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eReflect: where you are right now, and what you are ready to let go of: a belief, a money story, a decision you forgive yourself for.\u003c\/li\u003e\n\u003cli\u003eReset: four actions (this week, a boundary, a system, a support), a reset statement to adopt in your own words, and your new financial direction for the next 90 days.\u003c\/li\u003e\n\u003cli\u003ePatterns: the financial patterns and habits you repeat, and where you learned your approach to money.\u003c\/li\u003e\n\u003cli\u003eClose: a one-page reset summary with your next seven days of action steps, and a page to come back to.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eThe workbook is undated and reusable. Use it at a life transition, at the start of a year, or whenever you feel ready for a fresh start. If you own the SEV Finance \u0026amp; Abundance Planner: it includes a short “Release \u0026amp; Reset” prompt and a quarterly reflection. This workbook is a complete, separate reset process: eight working pages of guided reflection and commitment.\u003c\/p\u003e\n","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":52484251222358,"sku":null,"price":10.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-financial-reset-workbook-01_cover-and-pages.jpg?v=1793005551"},{"product_id":"sev-income-expense-tracker","title":"SEV Income \u0026 Expense Tracker","description":"\u003cp\u003eKnowing exactly what comes in and what goes out is the base of every financial plan. This tracker keeps both on clear, ruled pages you can reuse every month.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eIncome: date, source, category, amount, frequency and account or platform, with a monthly total.\u003c\/li\u003e\n\u003cli\u003eExpenses: date, description, category, amount and payment method, with a column to mark each one essential or not (E \/ N).\u003c\/li\u003e\n\u003cli\u003eRecurring: everything that repeats, income or expense, with amount, frequency, due day and account.\u003c\/li\u003e\n\u003cli\u003eMonthly summary: total income, total expenses and the net difference (surplus or shortfall); savings added and debt paid; your top three spending categories, notes and three reflection prompts.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eThe pages are undated and currency-neutral. Print a fresh set each month. If you own the SEV Finance \u0026amp; Abundance Planner: it already has an income tracker and an expense tracker. This is the standalone, reusable ledger; it adds the essential-or-not column, a recurring list and a one-page monthly summary.\u003c\/p\u003e\n","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":52484270915926,"sku":null,"price":6.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-income-expense-tracker-01_cover-and-pages.jpg?v=1793005755"},{"product_id":"sev-habit-tracker-finance-aligned","title":"SEV Finance-Aligned Habit Tracker","description":"\u003cp\u003eSmall actions, repeated with intention, compound into clarity. This tracker helps you choose a few financial habits, set them up so they last, and see how consistent you really are.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSet up: a habit setup page for each habit: what counts as done, when you do it, a minimum version for busy days, and why it matters to you.\u003c\/li\u003e\n\u003cli\u003eTrack: a weekly tracker with a days-done count, and a monthly overview that covers five weeks.\u003c\/li\u003e\n\u003cli\u003eReview: four questions to strengthen, simplify, replace or double down on a habit.\u003c\/li\u003e\n\u003cli\u003eLibrary: example money habits grouped by the seven stages of the SEV Finance \u0026amp; Abundance system, to choose from or adapt. Examples, not advice.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eThe pages are undated. Reprint or duplicate the trackers each week and month. If you own the SEV Finance \u0026amp; Abundance Planner: it has no habit tracker: this is the habit companion to it, with a library linked to its seven stages.\u003c\/p\u003e\n","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":52484547019094,"sku":null,"price":5.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-habit-tracker-finance-aligned-01_cover-and-pages.jpg?v=1793035351"},{"product_id":"sev-bill-payment-due-date-tracker","title":"SEV Bill Payment \u0026 Due-Date Tracker","description":"\u003cp\u003eBills go wrong in four ways: a missed due date, a failed payment, a contract that rolls on at a higher price, or a once-a-year bill with nothing set aside. This tracker answers each one, through the year.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eInventory: every bill once: payee, last four digits only, amount, frequency, due day, method, account, contract end and notice period.\u003c\/li\u003e\n\u003cli\u003eCalendar: a twelve-month payment grid, a due-date calendar for days 1–31, and a pay-period planner.\u003c\/li\u003e\n\u003cli\u003eMonthly and irregular: a monthly checklist with confirmations, and annual and irregular bills with the monthly set-aside (÷ 12).\u003c\/li\u003e\n\u003cli\u003eProtect: a subscription audit, renewals and price-rise watch, what to do if a payment is missed, and your UK and US rights at a glance.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eA worked example shows a fictional UK household: irregular bills of £1,056 a year, so £88 a month set aside.\u003c\/p\u003e","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":56238842184022,"sku":null,"price":10.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-bill-payment-due-date-tracker-01_cover-and-pages.jpg?v=1793065151"},{"product_id":"sev-payday-budget-spreadsheet","title":"SEV Payday Budget Spreadsheet","description":"\u003cp\u003eMost budgets work by the month, but pay often arrives weekly, fortnightly, every four weeks, on the last working day or twice a month. This spreadsheet budgets by payday instead. Enter how you are paid and list your bills once, and it works out what each pay has to cover and what is left.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003ePaydays: every payday for the year ahead, in six pay patterns: weekly, fortnightly, every four weeks, monthly on a date, monthly on the last working day, and twice a month. A payday that falls at a weekend or on a bank holiday can move to the working day before or after, or stay as it is. You list your bank holidays on the Settings sheet.\u003c\/li\u003e\n\u003cli\u003eBills: monthly, weekly and annual bills, each placed in the pay period it falls in. A large or irregular bill can be spread evenly instead, with an equal set-aside from every pay.\u003c\/li\u003e\n\u003cli\u003eSavings and what is left: save a fixed amount or a percentage of pay each payday, and see what is left to spend, in total and per day.\u003c\/li\u003e\n\u003cli\u003eSpending and This Pay: log what you spend, with the date, and each line is matched to its payday. The This Pay sheet shows the current pay period: its bills in date order, and what is left now.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eA worked example shows a fictional person paid £1,150.00 fortnightly. For the first pay, bills and set-asides of £340.31 and savings of £50.00 leave £759.69 to spend, or £54.26 a day; after £187.95 of spending, £571.74 is left.\u003c\/p\u003e\u003cp\u003eWho it is for\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003ePeople paid weekly, fortnightly, every four weeks or twice a month, for whom a monthly budget never quite fits.\u003c\/li\u003e\n\u003cli\u003eAnyone who wants to know, on payday, what this pay has to cover before the next one.\u003c\/li\u003e\n\u003cli\u003ePeople who prefer a spreadsheet to a budgeting app, with their figures kept in their own file.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eSheet  —  What it does\u003c\/p\u003e\u003cp\u003eStart Here  —  How it works, your licence, and where to find free help with money worries\u003c\/p\u003e\u003cp\u003eThis Pay  —  The current pay period: the bills due, with dates, and what is left\u003c\/p\u003e\u003cp\u003eSettings  —  How often you are paid, your next payday, pay, the weekend and bank-holiday rule, savings, and your bank holidays\u003c\/p\u003e\u003cp\u003eBills  —  Every bill once: amount, how often, when it is due, and whether to spread it evenly\u003c\/p\u003e\u003cp\u003ePaydays  —  Every payday for the year ahead, and what each pay has to cover\u003c\/p\u003e\u003cp\u003eBill Grid  —  Worked out for you: what each bill takes from each pay period\u003c\/p\u003e\u003cp\u003eSpending  —  What you spend, each line matched to its payday\u003c\/p\u003e","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":56257341129046,"sku":null,"price":9.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-payday-budget-spreadsheet-01_this-pay-and-paydays.jpg?v=1793276827"},{"product_id":"sev-uk-parent-money-planner","title":"SEV UK Parent Money Planner","description":"\u003cp\u003eStatutory pay calculators tell you one figure. They do not tell you what the household has to live on, month by month, while one or both of you are on leave, how to share the bills fairly when one income falls, or what childcare will really cost when you go back. This planner does, for the UK, with the 2026–27 rates.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eLeave pay, week by week: Statutory Maternity Pay (90% of average weekly earnings for 6 weeks, then £194.32 or 90%, whichever is lower), Maternity Allowance as an alternative, Statutory Paternity Pay, shared parental leave and pay, unpaid weeks, your employer's enhanced pay in up to two bands, keeping-in-touch (KIT) days and holiday built up during leave. Take-home pay is estimated, or you enter your own deduction rate.\u003c\/li\u003e\n\u003cli\u003eSavings runway: money in, money out and savings for 24 months, the month savings would run out, and the month they would fall below the amount you want to keep.\u003c\/li\u003e\n\u003cli\u003eA fair split: list shared costs and compare four ways to share them (50\/50, in proportion to income, a custom share, or equal money left over after each parent's own spending), month by month, as your incomes change.\u003c\/li\u003e\n\u003cli\u003eBaby costs: one-off and regular costs, in the months you expect them.\u003c\/li\u003e\n\u003cli\u003eReturn to work: three scenarios side by side (for example full time, part time and a later return), each with its own return date, take-home pay and childcare, and a chart of savings.\u003c\/li\u003e\n\u003cli\u003eChildcare, decoded: compare up to four nurseries, childminders or patterns: daily or session prices, minimum bookings, England's funded hours given in term time or stretched over more weeks, voluntary charges, and the Tax-Free Childcare top-up with its £500-a-quarter limit.\u003c\/li\u003e\n\u003cli\u003eRates and Sources: every official figure, read on GOV.UK and the nations' government sites on 27 Oct 2026, with the date to check it again and how to update it.\u003c\/li\u003e\n\u003cli\u003eThe guide (PDF, 16 pages): the rules for 2026–27 in plain words, four money conversations to have together, the worked example, a one-page plan, what to do and when, and where to get free help.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eA worked example follows Nadia and Owen, a fictional couple in England whose baby is due on Sunday 7 February 2027. Nadia's employer pays full pay for 8 weeks, including SMP, then half pay on top of SMP to week 20: her pay before tax falls from £653.85 a week to £521.25, then to £194.32. She ends maternity leave after 33 weeks, which leaves 6 weeks of pay for Owen's shared parental leave. In August 2027, Nadia's lowest month, the household is £222.26 short whichever way they split the costs. Going back 12 weeks later, unpaid (the rest of Nadia's shared parental leave and some Unpaid Parental Leave), would take their savings to £2,340.53 in December 2027, below the £2,500 they want to keep. With funded hours from 1 January 2028, a four-day nursery place costs £570.00 a month after Tax-Free Childcare.\u003c\/p\u003e\u003cp\u003eIt is not a general budget. For budgeting by payday all year round, see the SEV Payday Budget Spreadsheet; for a complete monthly money system, the SEV Finance \u0026amp; Abundance Planner.\u003c\/p\u003e","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":56269958414678,"sku":null,"price":14.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-parent-money-01_planner-and-guide.jpg?v=1793276827"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/collections\/Financial_Control_Mockup.png?v=1768925308","url":"https:\/\/swordeyevisions.com\/collections\/financial-control.oembed","provider":"SwordEyeVisions","version":"1.0","type":"link"}