{"title":"The Tools","description":"\u003cp\u003eSmall, practical things that do one job each. Every one has a free sample, and a 14 day refund if it turns out not to help.\u003c\/p\u003e","products":[{"product_id":"debt-payoff-tracker","title":"Debt Payoff Tracker","description":"\u003cp\u003eA spreadsheet that tells you which debt to pay first, and what it costs you either way.\u003c\/p\u003e\u003cp\u003ePut in up to six debts. It runs both methods side by side: highest interest first, and smallest balance first. You see the payoff date and the total interest for each, so you are choosing between two real numbers instead of two opinions.\u003c\/p\u003e\u003ch3\u003eWhat you get\u003c\/h3\u003e\u003cp\u003eOne file. Open it and the first thing you see is a Start here page with three steps, so you are not staring at a blank spreadsheet wondering where to begin. Inside that file:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe tracker, which works in Excel, Google Sheets and LibreOffice\u003c\/li\u003e\n\u003cli\u003eBoth payoff plans calculated for you, month by month\u003c\/li\u003e\n\u003cli\u003eA How this works sheet covering what it assumes and where it will be wrong\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHonest notes\u003c\/h3\u003e\u003cp\u003eThis does not reduce what you owe. It tells you the order to pay in and what that order is worth. Sometimes the gap between the two methods is small, and when it is, the file says so rather than pretending otherwise.\u003c\/p\u003e\u003cp\u003eCredit cards charge interest daily and usually shrink the minimum payment as the balance drops. The tracker works monthly with a fixed minimum, so your real payoff date will differ a little. That is written on the face of it, not buried.\u003c\/p\u003e\u003ch3\u003eRefunds\u003c\/h3\u003e\u003cp\u003e14 days, no questions. Email hello@clearlinegroup.ca and we refund you. You keep the file.\u003c\/p\u003e\u003ch3\u003eLicence\u003c\/h3\u003e\u003cp\u003eFor your own personal use. Please do not resell it or share it publicly.\u003c\/p\u003e","brand":"Roughly Right","offers":[{"title":"Default","offer_id":50649055559917,"sku":"RR-BUD-TRACK","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0833\/6051\/4285\/files\/tracker-1-cover.png?v=1788919429"},{"product_id":"first-30-days-card-set","title":"First 30 Days Card Set","description":"\u003cp\u003eThirty cards. One movement each. Print them, or keep them on your phone.\u003c\/p\u003e\u003cp\u003eEvery card is one thing you can do in about ten minutes, with no equipment and no floor work unless you want it. Each one says what it is for, how to make it easier, and how to make it harder. You pick a card and do it. That is the whole system.\u003c\/p\u003e\u003ch3\u003eWhat you get\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eA six page PDF: one page of how to use them, then 30 cards across five sheets, six to a page with cut lines\u003c\/li\u003e\n\u003cli\u003ePrints on ordinary letter paper, no special stock needed\u003c\/li\u003e\n\u003cli\u003eReadable on a phone screen without printing anything\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHonest notes\u003c\/h3\u003e\u003cp\u003eNo diet advice. No before and after photos. No claims about what your body will do, because we do not know that and neither does anyone selling you something.\u003c\/p\u003e\u003cp\u003eIf you have a knee, back or heart condition, ask your doctor first. Several cards have a seated version for exactly that reason.\u003c\/p\u003e\u003ch3\u003eRefunds\u003c\/h3\u003e\u003cp\u003e14 days, no questions. Email hello@clearlinegroup.ca and we refund you. You keep the file.\u003c\/p\u003e\u003ch3\u003eLicence\u003c\/h3\u003e\u003cp\u003eFor your own personal use. Please do not resell it or share it publicly.\u003c\/p\u003e","brand":"Roughly Right","offers":[{"title":"Default","offer_id":50649056116973,"sku":"RR-FIT-CARDS","price":7.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0833\/6051\/4285\/files\/cards-1-cover.png?v=1788920087"},{"product_id":"side-income-cost-calculator","title":"Side-Income Cost Calculator","description":"\u003cp\u003eA spreadsheet that works out what a side income actually pays you per hour, after the costs nobody mentions.\u003c\/p\u003e\u003cp\u003eMost side income advertises a headline rate. Then there is fuel, fees, supplies, the platform cut, and the hours you spend that nobody pays for. Put your real numbers in and the calculator shows you what is left.\u003c\/p\u003e\u003ch3\u003eWhat you get\u003c\/h3\u003e\u003cp\u003eOne file. Open it and the first thing you see is a Start here page with three steps. Inside that file:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe calculator, which works in Excel, Google Sheets and LibreOffice\u003c\/li\u003e\n\u003cli\u003eA Rate benchmarks sheet with real sourced figures for the common kinds of work, and what each selling platform takes\u003c\/li\u003e\n\u003cli\u003eA How this works sheet covering the assumptions and where they break\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHonest notes\u003c\/h3\u003e\u003cp\u003eThis will sometimes tell you the answer is no. That is the point of it. The worked example starts at a $36 headline rate and lands at $21.76 once everything real is counted, and knowing that before you start is worth more than nine dollars.\u003c\/p\u003e\u003cp\u003eThe rate benchmarks are Canadian figures, checked September 2026, with the source printed beside each one. If you are elsewhere the dollar amounts will differ, but the shape holds: what hands-on work pays against skilled work, and how much of your money a platform takes. The calculator itself works anywhere, and the sales tax threshold is a box you set for your own country.\u003c\/p\u003e\u003cp\u003eNo income promises. What you earn depends on you, where you live, and what you charge.\u003c\/p\u003e\u003ch3\u003eRefunds\u003c\/h3\u003e\u003cp\u003e14 days, no questions. Email hello@clearlinegroup.ca and we refund you. You keep the file.\u003c\/p\u003e\u003ch3\u003eLicence\u003c\/h3\u003e\u003cp\u003eFor your own personal use. Please do not resell it or share it publicly.\u003c\/p\u003e","brand":"Roughly Right","offers":[{"title":"Default","offer_id":50649056215277,"sku":"RR-SI-CALC","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0833\/6051\/4285\/files\/calc-1-cover.png?v=1788920216"}],"url":"https:\/\/clearlinegroup.ca\/collections\/the-tools.oembed","provider":"Roughly Right","version":"1.0","type":"link"}