Introducing The Finance Workbook

For almost 15 years, the PowerSheets® goal planner has helped women achieve meaningful goals—helping them to do more of what matters and less of what doesn't. From relationships healed to muscles strengthened, to businesses founded, grown, and sold to faith helped to flourish, it's been an honor to walk with you each step of the way.

And then, every so often, we add a new tool to the Cultivate garden to help you grow further, faster. Designed to complement your PowerSheets or Season by Season® planner, these tools have included everything from weekly notepads to the Brain Dump Journal to digital courses. And today, we're thrilled to introduce you to one more!

Meet: the Finance Workbook!

What is the Finance Workbook?

The Finance Workbook is a 100+ page guided workbook that will help you:

• Upgrade your mindset around money through understanding your past behaviors, motivations, challenges, and abilities
• Uncover a big-picture vision for your life and understand the role money plays in it, then set simple goals for the year that will move you closer to that vision
  
• Introduce you to smart strategies to stick to your money goals and establish sustainable money habits
  
• Create a budget for the year and follow through on it each month
• Track your saving and debt reduction goals over time
• Keep you inspired and on-track to achieve those money goals that always seemed out of reach

Have a goal to get your finances on track? Pay off debt? Save for a vacation, a home, or retirement? To give generously to the people and causes that matter to you? 

You are capable of all these things — and The Finance Workbook can help. No matter your background, your financial IQ, or your current circumstances, change is possible.

What you'll love about the Finance Workbook:

There's so much to love about the Finance Workbook! Here are few features we think you'll especially appreciate:

• The interactive format, with plenty of room for brainstorming and making a plan
• A process that invites both partners in a couple to get on the same page (but that works perfectly for single folks, too!)
• The flexibility to prioritize, save, and spend on what matters to you – and a structure that will help you stick to your best plan
• 12 months of spending and budget trackers, savings and debt trackers, habit trackers, space to celebrate wins, and much more.
• A financial library stocked with money challenges and recommendations for books, resources, and low-cost fun

Engaging, practical, and with the encouraging voice you expect from Cultivate, the Finance Workbook combines our best insights from a decade of goal setting alongside thousands of women with countless books we've read, conversations we've had, and techniques we've tried. The result? A really thorough, approachable, and transformative companion to help you make the most of your financial life.

Does the Finance Workbook replace PowerSheets?

You don't have to be a PowerSheets user to love the Finance Workbook—if you've ever wanted to save, spend, and give your money with freedom and joy, this is for you! 

When should I complete the Finance Workbook?

Whether you’ve recently graduated or are entering retirement, you have the opportunity to lay a strong financial foundation—and then watch it grow. Any day can be a fresh start. And yes, we really do mean any day. While this workbook is designed to take you through a whole year of living out your financial goals, you don’t have to wait for January 1 to begin! Start today!

Can you really help me with my finances?

Hey there, friend! We see you in your desire to make a wise financial decision even at the beginning of your financial journey! That right there says a lot about you and the  seriousness with which you're undertaking this adventure. We're grateful to walk alongside you.

Morgan Housel uses the entirety of his fantastic book The Psychology of Money to argue that doing well with money has little to do with how smart you are and a lot to do with how you behave. Financial success is not a hard science, but a soft skill where how you behave is more important than what you know. 

That's not typically how finance is taught or discussed. But happily for us (and you!), helping women to change their behavior so that they can do more of what matters and less of what doesn't is our life's work! We've incorporated everything we know about forming habits, updating mindsets, achieving long-term goals, and more into this workbook. We think you just might love it. 

P.S. While this is a new resource, we're grateful to have gotten glowing feedback from this community on our other workbooks. A little peek:

I LOVE the Routines Workbook. I have used it for several months and it has literally changed my life. It is intentionally and thoughtfully laid out, helping you understand why routines you have tried to establish in the past may not have worked. It encourages you to not overhaul everything at once, but to start small and build on your routines over time. The book itself is well made, with good paper and binding and lots of space to write. This is the perfect tool for anyone looking to set routines in their life! — Diana

I waited before ordering the Routines Workbook because I couldn’t wrap my head around how it would help beyond my PowerSheets. I am so thankful I finally got it and am excited to implement new rhythms and routines! The workbook walks you through discovering what routines would be helpful and how to implement them. I can't wait to get started. — Mary

I love the Routines Workbook because it helps me think bigger picture. It is a beautiful, durable book with a balance of training, learning exercises, and worksheets. It also provides sample routines for a variety of individuals just to get you started. Love it! — Kim

I'm in! How do I buy the Finance Workbook?

Mark your calendar! The Finance Workbook launches on Monday, November 3 at 10am ET/9am CT. We can't wait to get it in your hands!