3 Way Plan
Rising bills, stretched budgets, no clear plan? 3 Way Plan gives you three proven levers — increase your income, decrease your expenses, and change your spending habits — backed by step-by-step worksheets so you know exactly where to start.
Get Your Copy — $4 USD
Feeling The Squeeze Of The Cost-Of-Living Crisis?
You're trying to work out:
- ✓ Why grocery and energy bills keep climbing faster than your income?
- ✓ Where to even start when every expense feels essential?
- ✓ Which changes will actually make a difference, instead of just feeling busy?
- ✓ How to stick to a budget when generic advice never quite fits your life?
- ✓ How to feel back in control of your finances, instead of just reacting to bills?
3 Way Plan replaces the overwhelm with three clear levers — Increase Income, Decrease Expenses, Change Behaviour — and the worksheets to put them into action.
What You'll Discover
A practical system, hundreds of real ideas, and the worksheets to act on them.
The 3 Way Plan Framework
Only three things ever improve a financial position: more income, less expense, or changed habits. This book gives you a clear, structured plan for each.
150 Ways to Increase Income
From negotiating a raise to offering services others will pay for — a worksheet to help you pick three ideas you can start within seven days.
120 Ways to Decrease Expenses
Practical reductions across everyday spending — from bills and subscriptions to insurance and household costs — without giving up your quality of life.
75 Ways to Change Your Habits
The small behavioural shifts — from impulse buying to budgeting routines — that quietly compound into real financial change over time.
The Mindset Mechanics Mentors® System
The same 3-step framework behind David's other guides: shift your mindset, learn the mechanics, then connect with the right mentors.
14 Worksheets & Action Plans
Calculators, goal-setting tools and a Progress Monitor to track results month by month — including the SMART/DUMB goals and Life Balance Review exercises.
Written For You If…
Mortgage-Stressed Families
Rising repayments and living costs have you looking for real ways to ease the pressure on the household budget.
Low & Fixed-Income Earners
You want practical strategies that work with a tight budget, not advice written for people with money to spare.
Anyone Feeling Overwhelmed
You know something has to change but don't know where to start — this book breaks it down into three simple, manageable steps.
Budget-Conscious Households
You're already trying to manage money well and want a structured plan and worksheets to make faster progress.
What Readers Are Saying
"We picked three ideas from the Decrease Expenses list and saved over $200 a month within the first fortnight. Wish we'd found this sooner."
"Finally, a money book that doesn't just say 'budget better'. The worksheets made it actually doable."
"Practical, no-judgement, and easy to follow. The Increase Income ideas gave me a side income I hadn't considered."
Common Questions
How is this different from a normal budgeting book?
It's built around three independent levers — income, expenses and behaviour — with over 345 specific ideas and 14 worksheets, rather than generic budgeting advice.
Do I need to act on all 345+ ideas?
No. Each section asks you to choose just three ideas you can commit to within seven days — small, manageable steps rather than an overwhelming overhaul.
What's actually included?
The full guide plus 14 printable worksheets covering goal-setting, financial position analysis, action plans for each of the three strategies, and a Progress Monitor to track your results month by month.
What format is the book?
It's a digital download delivered instantly after purchase — read it on any device: phone, tablet, computer or e-reader, and print the worksheets as needed.
Is this only for people on a low income?
No. It's written for anyone feeling the pinch of rising costs — including mortgage-stressed families and people on a steady income who simply want a clearer plan.
What is the refund policy?
As a digital product, we can't offer refunds once the file has been downloaded. If you have any trouble accessing your purchase, contact us and we'll sort it out immediately.
Crush Your Cost-Of-Living Crisis — Starting Today.
Three proven levers, 345+ real ideas, and the worksheets to put them into action — all in one guide.
Get Your Copy — $4 USD
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