Terms and refunds

What you are buying

A digital product: 00 Start Here; Steady Ledger workbook (for your own numbers); Filled-in example workbook (fictional household); The Steady Ledger Guide; Printable pages. Delivered as downloads through Gumroad.

Licence

You may use and print the files for yourself and your household, and adapt the workbook for your own use. Please don’t resell, share publicly or redistribute the files.

Refunds

If Steady Ledger isn’t useful to you, ask for a refund within 30 days of purchase by replying to your Gumroad receipt or using Gumroad’s Contact option. You don’t need to give a reason or return anything.

Education, not advice

Steady Ledger is general education and a recordkeeping tool. It is not investment, tax, or legal advice, and it does not recommend any particular product, bank, or investment. Examples are fictional and rates shown are illustrations, not offers or predictions. Insured deposits are protected up to legal limits; investments can lose value. For decisions about your own situation, consider speaking with a qualified professional.

The guide explains U.S. accounts and rules (FDIC, NCUA, U.S. Treasury, IRS). The workbook itself works with any currency, but its insurance check uses the U.S. $250,000 limit.

Accuracy

Facts in the guide were checked against the official sources it lists on 2026-10-08. Laws, insurance limits, rates and tax rules can change. Calculations are tested carefully, but please check important numbers against your own statements.

Seller

Sold by Wren & Co. through Gumroad, which processes payment, tax and delivery as the merchant of record.

Last updated 2026-10-08.