The Broke Tax: A Paycheck-to-Debt System for People Who Are Tired of Starting Over

The broke tax is real.

It’s the extra you pay in interest, late fees, and minimum payments because you’re managing debt instead of eliminating it. Every month you stay in the cycle costs you more than the month before.

This workbook is the system to stop that.

What’s Inside

∙ Section 1 — Debt Reality Check: Write down every debt you carry. The number you’ve been avoiding is the one this whole system is built on.

∙ Section 2 — Choose Your Payoff Method: Snowball, Avalanche, or Tsunami. Pick the one that matches how your brain actually works.

∙ Section 3 — Paycheck Assignment System: Assign every dollar before it has a chance to disappear. Includes a Monthly Paycheck Grid, Fixed Bills Master List, and a Short Paycheck Protocol for tight months.

∙ Section 4 — Spending + Subscription Audit: Find the money you forgot you were spending.

∙ Section 5 — Income Unlock Plan: Not about cutting lattes. About finding where extra money could realistically come from and routing it directly to debt.

∙ Section 6 — Monthly Progress Tracker: A 12-month debt tracker and Debt Payoff Celebration Log.

∙ Section 7 — Mindset and Momentum: Six self-check questions and a deep dive into your money patterns.

∙ Section 8 — Affirmations for the Long Road: Built specifically for the hard moments in a long payoff journey.

∙ Section 9 — 30-Day Debt Kickstart Plan: A day-by-day action plan to build the habit before motivation runs out.

∙ Bonus — Reprintable Core Sheets: The key sheets formatted to reprint and reuse month after month.

This workbook is for you if…

∙ You’ve tried budgeting apps and quit because nothing felt like it was actually moving

∙ You’re living paycheck to paycheck and want a system that works on a real, imperfect income

∙ You’re tired of the shame spiral and want a plan that treats you like a capable adult

∙ You’re ready for something repeatable that survives bad months instead of falling apart

Details

∙ 45 pages, 9 sections + bonus reprintable pages

∙ Letter size (8.5” x 11”), print-ready PDF

∙ Instant download

∙ Personal use only

“The broke tax is not your fault. But paying it forever is a choice.”

— Ashley Jane, ashleyjane.co

Please Note: Due to the digital nature of this product, all sales are final. No refunds or exchanges are offered once the file has been delivered. If you have a question before purchasing, feel free to reach out at info@ashleyjane.co.