Claire's GUIDES
Claire's Guides — Marcus Still Has Questions. Here's the Math.
Spreadsheets, roadmaps, and trackers. The work Claire does on-screen, in downloadable form.
FLAGSHIP — CREDIT BUILDER ROADMAP
500 to 700 Credit Roadmap
The exact sequence of moves to go from a score in the 500s to 700+. Chapter one is the free lead magnet — this is the full playbook.
$19
WHAT YOU GET
- ✓The 6-step credit rebuild sequence (score range for each phase)
- ✓Secured card selection matrix — which ones graduate to unsecured
- ✓Utilization calculator: the exact percentages that move the needle
- ✓Payment timing guide — when to pay for maximum score impact
- ✓Dispute letter templates for common credit report errors
"Marcus came in with a 524. Claire handed him this. He asked if there was a faster version. There isn't."
Get The 500 to 700 Credit Roadmap — $19 →
Instant download. PDF. Works on any device.
FLAGSHIP — LIVE SPREADSHEET
Claire's Monthly Budget Spreadsheet
The actual spreadsheet Claire uses on-screen. Tracks income, fixed expenses, variable spending, and card rewards in one view.
$27
WHAT YOU GET
- ✓12-month budget tracker (income, fixed, variable, savings rate)
- ✓Rewards optimizer tab — calculates which card earns most per spending category
- ✓Annual fee ROI calculator — whether your premium card is paying for itself
- ✓Net worth snapshot tab (assets, liabilities, monthly change)
- ✓Available as Google Sheets (copy to your Drive) and Excel
"Jennifer asked Claire how many tabs the spreadsheet has. Claire said twelve. Jennifer said that seemed like a lot. Claire said it used to be nineteen."
Get Claire's Monthly Budget Spreadsheet — $27 →
Instant download. Google Sheets + Excel. Works on any device.
COUPLE'S FINANCE — PDF GUIDE
The Couple's Money Reset Guide
How to align on money when two people have completely different financial histories — and different credit scores.
$29
WHAT YOU GET
- ✓The 4 joint account structures — which one to use and when
- ✓Score gap strategy: how to optimize both profiles simultaneously
- ✓Authorized user decision framework — when it helps, when it hurts
- ✓Shared card rewards strategy: how two people optimize as one unit
- ✓The money conversation script Claire recommends (seriously, it works)
"Claire has explained authorized users to three different couples. This guide now does it for her."
Get The Couple's Money Reset Guide — $29 →
Instant download. PDF. Works on any device.
REWARDS — LIVE TRACKER
The Rewards Maximizer Tracker
Track every point, mile, and cashback dollar across all your cards. See your real annual return at a glance.
$24
WHAT YOU GET
- ✓Multi-card rewards dashboard (up to 8 cards, all programs)
- ✓Points valuation table — current CPP for 12 major programs
- ✓Category spend optimizer: which card to use for each purchase type
- ✓Annual net value calculator (rewards earned minus fees paid)
"Claire has 12 cards. This tracker is how she knows the actual return on each one. The answer is never what she expected."
Get The Rewards Maximizer Tracker — $24 →
Instant download. Google Sheets + Excel. Works on any device.
ANNUAL AUDIT — PDF WORKBOOK
Annual Fee Audit Workbook
Is every annual fee on your cards actually paying for itself? This workbook runs the math — card by card.
$19
WHAT YOU GET
- ✓Fee-vs-rewards calculator for every card in your wallet
- ✓Benefit utilization checklist — credits you might be leaving on the table
- ✓Downgrade vs. cancel decision guide (and when each protects your score)
- ✓Retention offer script — what to say when you call to cancel
"Claire found $340 in unused credits across 3 cards doing this audit. She was annoyed. You should not be annoyed."
Get Annual Fee Audit Workbook — $19 →
Instant download. PDF. Works on any device.
DEBT PAYOFF — LIVE SPREADSHEET
Debt Avalanche Payoff Spreadsheet
Enter your balances and APRs. The spreadsheet calculates the exact payoff order, timeline, and total interest saved.
$17
WHAT YOU GET
- ✓Avalanche vs. snowball comparison — interest savings calculated for both
- ✓Month-by-month payoff calendar (see the exact payoff date)
- ✓Balance transfer analysis — whether a BT card saves money vs. powering through
- ✓Celebratory progress tracker (Marcus's idea — it actually helps)
"Marcus wanted to pay off the smallest balance first. Claire showed him the interest math. Marcus is now doing the avalanche."
Get Debt Avalanche Payoff Spreadsheet — $17 →
Instant download. Google Sheets + Excel. Works on any device.
BALANCE TRANSFER — DECISION GUIDE
Balance Transfer Decision Checklist
Is a 0% APR balance transfer card actually worth doing? This checklist runs the numbers and gives you a clear answer.
$14
WHAT YOU GET
- ✓BT fee vs. interest savings calculator (break-even analysis)
- ✓Approved BT card comparison (current 0% period lengths and fees)
- ✓Score impact assessment — how the new account affects your profile
- ✓The 5 mistakes people make after a balance transfer (and how to avoid them)
"The BT fee math is the thing nobody does before applying. This checklist does it for you in 3 minutes."
Get Balance Transfer Decision Checklist — $14 →
Instant download. PDF. Works on any device.
STARTER GUIDE — ENTRY LEVEL
First Credit Card Decision Guide
No credit history. First card. The guide that keeps you from making the mistakes that take two years to fix.
$9
WHAT YOU GET
- ✓Secured vs. student vs. starter card comparison (with approval odds)
- ✓The 3 rules for using a first card without hurting your score
- ✓What to look for (and what to ignore) in a first card offer
- ✓When to apply for card #2 (the timing that protects your score)
"This is what Claire wishes someone had handed Marcus before he applied for a store card with a 29.99% APR."
Get First Credit Card Decision Guide — $9 →
Instant download. PDF. Works on any device.
REFERENCE — MYTH BUSTING
Credit Score Myths Busted
23 things people believe about credit scores that are wrong, incomplete, or actively costing them points.
$12
WHAT YOU GET
- ✓23 myths debunked with the bureau-sourced facts that contradict them
- ✓The utilization myth section (carrying a balance does NOT help your score)
- ✓FICO vs. VantageScore explained — why they sometimes disagree
- ✓The one thing that affects your score that almost no one talks about
"Marcus thought carrying a $50 balance helped his score. He was very wrong. Myth #7 in this guide."
Get Credit Score Myths Busted — $12 →
Instant download. PDF. Works on any device.
Cards Made Simple earns commission on affiliate links inside these guides. Purchase decisions are yours. The math is shown.