Product 17 · Money & the years ahead

The
Money & Years Planner

A money workbook designed for perimenopause and midlife. Not financial advice — a thinking and conversation-preparation tool. Where you are now, work and career decisions, pensions and the gap, major life transitions, and the conversations to have next.

£12.99
Instant download · 32 pages · 6 binder sizes · Ink-Saver + GoodNotes editions

General information, not medical advice. Speak to your GP or a menopause specialist about your own care. Not financial advice.

The Money & Years Planner: the cover and two sample pages
What's inside

32 pages. Everything you need.

×4
Cover, title page, how to use & worked example
How to work through it, plus an illustrative first quarter (an example, not a real person; all figures invented).
Read first
×5
Section 1 · Where I Am
Section opener, net worth snapshot, income & outgoings, my working years, and a one-page summary.
Start here
×4
Section 2 · What Might Happen
Section opener, what "enough" looks like, three futures side by side, and a one-page summary.
Explore
×5
Section 3 · Work & Career
Section opener, if I reduce my hours, if I step away, the second act, and a one-page summary.
Before deciding
×4
Section 4 · Pensions & the Gap
Section opener, my pension map (every pot, including lost ones), the State Pension and the gap, and a one-page summary.
Every pot
×5
Section 5 · Major Transitions
Section opener, if we separate, caring both ways, if something happened, and a one-page summary. Fill in only what applies.
If it applies
×3
Section 6 · The Conversations
Section opener, who to talk to and what to ask (free guidance first, then regulated advice), and an appointment prep & record page.
Walk in ready
×1
One-Page Summary
The whole workbook on one page — the page you take everywhere.
Keep with you
×1
Where to Look & the Small Print
UK places to start — GOV.UK State Pension forecast and NI record, pension tracing, MoneyHelper, Pension Wise — correct at the time of writing.
Reference
In every download
  • ✓ Print edition: all 32 pages in 6 sizes (A4, A5, Half Letter, Personal/Filofax, A6, Happy Planner Classic), each with hole-punch guides. Undated, so print any page as often as you need.
  • ✓ Ink-Saver edition: the same 6 sizes with white pages and a light cover, about 85% less ink for home printing.
  • ✓ GoodNotes / Notability edition: 46 linked pages with side tabs, contents, index, outline, previous/next links, 6 notes pages and a dark or light cover. Includes 4 quarterly income & outgoings pages and 4 quarterly one-page summaries.
  • ✓ 63 digital stickers (transparent PNG) and a one-page Start Here guide.
What makes it different

Designed for real life

01
Where money and perimenopause meet
Perimenopause often arrives just as the biggest money questions do — hours, pensions, caring, separation. This planner gives both a calm, honest place.
02
Not financial advice — financial clarity
Every page is a prompt or a conversation-preparation tool. It helps you arrive at conversations with a financial adviser, pension provider or HR prepared — it doesn't replace them, and it isn't financial advice.
03
The decade that compounds
The financial decisions made in your 40s and early 50s — pension contributions, career choices, property decisions — have disproportionate long-term impact. This planner helps women make them with clarity rather than crisis.
This is for you if

You are in your 40s or 50s and feeling financial uncertainty alongside perimenopause symptoms. You're considering major career or life changes. You've never looked clearly at your pension. You want to think before you act.

What you get
  • ✓ 32-page printable PDF in all 6 binder sizes
  • ✓ Ink-Saver version of every size — about 85% less ink
  • ✓ GoodNotes / Notability edition — 46 linked pages
  • ✓ 63 digital stickers + a Start Here guide
  • ✓ Undated — print as many times as you need
  • ✓ How to use guide + worked example included