Frequently Asked Questions
Everything you need to know about Decide Your Money and Checkspent.
About Decide Your Money
What is Decide Your Money?+
Decide Your Money is a personal finance method built on 7 rules for making better spending and saving decisions. It is not an app or a budget tracker. It is a decision framework — a set of rules you apply before you spend.
What are the 7 rules?+
The 7 rules cover: (1) Set a fixed savings rate first, every time. (2) Know what makes you happy vs. what habit makes you spend. (3) Evaluate every decision on its own, not in the moment. (4) Use simple rules with clear thresholds. (5) Understand real risk vs. real opportunity. (6) Use the S&P 500 as your investment anchor. (7) Never ignore zero-friction gains. The Complete Guide explains each rule in detail with examples and implementation steps.
Who is this for?+
Anyone who wants a simple, proven system for managing money without complexity or deprivation. The method has been tested across 4 continents and works across income levels.
Is this financial advice?+
No. The Decide Your Money method and all content on this site is for general informational and educational purposes only. It does not constitute financial advice. Always consult a qualified financial professional before making financial decisions.
How is this different from budgeting apps?+
Most budgeting apps track what you have already spent. Decide Your Money is a framework for deciding before you spend. It changes how you think about money, not just how you record it.
About the Complete Guide
What is included in the Complete Guide?+
The Complete Guide is a digital PDF that explains all 7 rules in full detail, with examples, implementation steps, and real-world applications. It is written in plain language with no jargon and no app required.
How much does the Complete Guide cost?+
$27 USD — one-time payment, no subscription.
How do I receive the guide after purchase?+
After completing your purchase through Stripe, you will receive an email with a download link. Check your spam folder if it does not arrive within a few minutes.
Is there a refund policy?+
Yes. If you are not satisfied, contact us within 14 days of purchase at hello@decideyourmoney.com and we will issue a full refund. No questions asked.
Do I need any app or software to use the guide?+
No. The guide is a PDF. You can read it on any device — phone, tablet, or computer.
About Checkspent
What is Checkspent?+
Checkspent is a free tool at decideyourmoney.com/checkspent that analyses your bank statement and identifies every recurring subscription charge you pay for. It uses AI to scan PDF, CSV, or screenshot uploads.
Is Checkspent free?+
The quick estimate is free. The full subscription report (generated from your actual bank statement) costs $7.95 AUD.
Is my bank statement data safe?+
Yes. Your file is processed in memory only and is never stored on disk. Checkspent does not extract your name, account number, or personal banking identifiers. All data is encrypted with TLS/SSL.
How do I contact support?+
Email us at hello@decideyourmoney.com or use the contact form at decideyourmoney.com/checkspent/contact. We respond within 2 business days.