Her Money, Her Rules gives you a clear method and 14 working tools to see everything, put the basics in your own name, build a freedom fund, plan for breaks, invest for a long life and get the paperwork ready. Whatever your income or relationship status.
Her Money, Her Rules · Bodhih Pro Kits · 43 by Bodhih Training, trainers to 2,000+ companies since 2008.
Start by seeing everything your household earns, owns and owes, then put five basics in your own name: a bank account, a credit history, a freedom fund, insurance and current nominees. Add long-term investing and organised paperwork. Her Money, Her Rules from Bodhih Training gives you the method and the tools for each step.
Want the full free guide first? Read Financial Independence for Women: A Step-by-Step Guide.
Many capable women know the price of everything and the ownership of nothing. The house, the investments and the main account sit in someone else's name for convenience. It works fine until the day it does not.
The lost salary is only the first cost. Missed contributions, missed growth and a lower restart keep costing for decades. Most couples never put a number on it, so it never gets shared.
You do not know each other's full numbers, or you know them and still cannot agree what is fair. Without a structure, the conversation never quite happens.
You said thank you and accepted. A colleague asked and got more. That single difference compounds through every future rise and every pension contribution.
Policies, passwords, nominees, the will. Some of it is out of date and some of it is in a drawer you have not opened in years. You are also the person most likely to be left sorting it out.
Imagine a Sunday evening a month from now. You open the dashboard and it tells you, in plain numbers, how much of your household's money is in your own name, how many months of freedom you hold, and how many gaps are still open. Last month that last number was eleven. Tonight it is four.
Because when you sit down with the Own-Name Audit, something shifts. You stop wondering and start listing. One row, then another. You notice which accounts you can reach alone and which you cannot, and for each gap you write one small action. A form to download. A question to ask. A transfer to set up.
As you work through the kit you will find the conversations get easier too. You draw three Money Date Cards after dinner, or you bring the one-page business case to your manager, and the words are already there. You type a number into the Break Simulator and watch the pension gap close, and suddenly it is a figure you and your partner can plan around.
Whether you begin with the audit tonight or the Money Story worksheet over tea tomorrow, each small signature moves you up the ladder. And a year from now, when the calendar reminds you to review the vault, you will open it knowing that everything is where it should be, and that whatever happens, you can cope and you get to choose.
The e-book shows you how. The tools make it happen. Here is exactly what you download.
The guide: methods, worked examples, scripts and exercises
Own-name audit with gap flags, freedom fund calculator, his-hers-ours net worth, career-break simulator, retirement gap estimator, pay rise value lab, nominee register, goals, habits and a dashboard. Any currency.
Four fillable pages: where your money rules came from, the values you choose now, and the three to five rules you will live by.
A guided first money conversation for two: ground rules, the full picture, the three-pot agreement, unpaid work and a monthly money date agenda.
Eight-section checklist for building a physical and digital document vault, plus the five-minute grab folder and an annual review log.
Seven tick-list pages for marriage or moving in, a baby, divorce, bereavement, relocation, caring for parents and later life.
A fillable map for whoever would step in if you died or could not act: who to call, where everything is, what is paid when, and your wishes.
Editable one-page business case, wins file, market data table and word-for-word scripts for rises, new offers, returning from a break and going part time.
Eight editable letters and emails: update a nominee, request statements, be added to an account, close or freeze a joint account, request a credit report, notify a bereavement and more.
One-page cheat sheet: six rungs from seeing everything to paperwork ready, with the test for each and the tool to use.
One-page card with a neutral file name: healthy signs, warning signs of economic abuse, a six-question self-check, safe first steps and the types of organisation that help.
Six principles for long horizons, a time-horizon table, the seven questions to ask before investing and the scam pattern. No product recommendations.
24 printable conversation cards in four suits (Stories, Numbers, Dreams, What-ifs) for money dates with a partner, a friend or yourself. Print, cut, shuffle, draw three.
21 calendar events for a year: monthly money dates, four themed quarterly reviews and annual checks for the vault, nominees, credit report, will, insurance and pay.
A ready-made index of 40 common documents to import into any spreadsheet or notes app: what exists and where it is kept, never passwords.
Each chapter opens with a real situation, gives you a method and ends with something to do today, using the tools in your kit.
Why capable women are often one signature away from having nothing they can reach, and how the kit fixes that.
The four gaps (pay, paid years, pension, longevity) with sourced figures, and the design brief they create for your plan.
Find the money rules you inherited, choose your values and write the three to five rules you will live by.
Account, credit history, freedom fund, insurance and nominees, plus the forty-minute own-name audit that flags every gap.
How much, where to keep it and how to calculate the month you reach it, in an account only you control.
Full visibility, the three-pot setup, proportional contributions, paying for unpaid care and the monthly money date.
The warning signs, a six-question self-check, safe first steps and the kinds of organisation that help in any country.
Six principles for long horizons and seven questions to ask before you put money anywhere. No product recommendations.
Simulate what a career break really costs, see what closes the gap and estimate whether your money lasts to 95.
The four-part business case, the exact words for the ask and three counters for when the answer is no.
Field guide to starting out, partnership, motherhood, divorce, widowhood, caring for parents and later life.
How small forms, transfers and quarterly dates add up to real independence, and why to pass it on.
Build the grab folder, the vault and the map for whoever would step in.
Key terms without jargon and the types of help to look for wherever you live.
Every outcome is practised with a worked example and a tool, not just described.
People who measure before and after improve faster and can show it. AssessAll, our sister assessment platform, has AI-graded assessments that pair with this kit. Take one now, work through the kit, then re-take it.
Aisha, a marketing manager in Dubai, knew within three months that her new boss was a problem. He shouted. He took credit. He messaged at midnight. Her friends told her to leave. She did the sum in her head on the metro home: rent, car loan, the money she sent her parents in Lahore. She had about five weeks of expenses in the bank. She stayed for another fourteen months. Most people call it an emergency fund. We prefer freedom fund, because the name tells you what it buys. Yes, it pays for the broken boiler and the dental bill. More importantly, it gives you the ability to say no: to a job that is damaging you, a living arrangement that has stopped being safe, a decision you are being rushed into.
| Free templates and typical advice | This kit | |
|---|---|---|
| Method | A blank budget tracker with no explanation | A step-by-step ladder from seeing everything to paperwork ready, taught in a full e-book |
| Built for women's lives | Generic advice that assumes an unbroken career | Career breaks, unpaid care, longer lives, own-name access and life events are the core of the plan |
| Ownership | Tracks how much, never whose name | Own-name audit flags every account you rely on but cannot reach alone, plus nominee gaps |
| Interactive tools | Static tables, formulas that break | Break simulator, freedom fund date calculator, retirement gap estimator and pay rise value lab, all tested |
| Countries and currencies | Assumes one country's accounts and tax rules | No currency symbols, adjustable assumptions and clear prompts on what to check locally |
| Relationships | Ignored | Couple conversation guide, three-pot agreement, 24 conversation cards and a careful chapter on red flags |
| Paperwork | A single checklist | Vault checklist, index file, If I'm Not Around File, eight letter templates and a year of reminders |
Bodhih Training has designed and delivered corporate programmes since 2008. Bodhih Pro Kits package what works in those workshops into a guide plus the exact tools we use, so you can apply it the same day without a facilitator in the room.
Name, email and country. UPI, card or netbanking in India; international cards everywhere else. No account to create.
Your download page opens at once, with every file and a one-click ZIP. A permanent link lands in your inbox too.
Start with the quick-start chapter, then the main spreadsheet or planner. Most buyers use something from the kit the same day.
You already manage a great deal. Now put your own name on it. Whether you start with the forty-minute audit tonight or the Money Story worksheet tomorrow, open the kit, close one gap this week, and let each small step make the next one easier.
Personal licence for the buyer's own use (and use with your own team or clients where the kit says so). Please don't share or resell the files. Team and company licences: solutions@bodhih.com.
Change direction with a 90-day plan.
Scripts and planners for raises and offers.
250+ AI-graded assessments to measure skills and earn verified credentials.
Individual development plans that start from evidence and stay yours.
Run this topic as a live workshop for your team, in person or online.
Book a vetted coach for career, leadership or communication. Pay per session.
Certification pathways in Applied AI, Workplace English and management.
Work up a ladder. First see everything your household earns, owns and owes. Then put the basics in your own name: a bank account, a credit history, a freedom fund, insurance and current nominees. After that, invest regularly for the long term and get your paperwork organised. The kit gives you a tool for each rung.
No. Her Money, Her Rules is educational. It teaches principles and gives you organising tools, and it does not recommend any product, provider or investment. Laws on property, marriage, pensions, tax and credit differ by country, so check your local rules and speak to a qualified professional before decisions with legal or financial consequences.
Yes. The workbook uses plain numbers without currency symbols, and the assumptions for return, inflation and retirement age are yours to set. The e-book is written for readers in India, the UK, the US, Africa, the Gulf, South-East Asia and Australia, and tells you which points to confirm locally.
Very much so. Unpaid work at home is treated throughout as a real contribution. You will find guidance on keeping an account in your name, sharing personal money fairly, and keeping pension contributions going during a break, with a simulator that shows why it matters.
A common guideline is three to six months of essential costs, held in cash in an account in your sole name. Lean higher if your income is irregular, others depend on you, or your right to live somewhere depends on a job or spouse. The Freedom Fund sheet calculates your target and the month you will reach it.
Many couples do well with both: a joint account for shared costs and a personal account each, with full visibility of everything. The e-book explains this three-pot arrangement, proportional contributions and how to handle periods when one partner does unpaid care. Check how local law treats joint and marital property.
A break costs the pay you miss, the contributions that are not made, the growth on those contributions and often a lower salary on return. The Break Simulator runs your numbers year by year and shows how much of the gap closes if contributions continue during the break.
Signs include being denied access to money or statements, having to account for every purchase, being stopped from working, or having debts taken out in your name. Chapter 6 covers the pattern, a self-check, safe first steps and the kinds of organisation that help. The matching cheat sheet has a neutral file name.
Use the confidence scales in the Money Story worksheet and the Dashboard in the workbook. If you would like an independent skills check, AssessAll offers Money Decision Judgment, the Salary and Job Offer Negotiation Assessment with Spoken Counters, and Risk, Probability and Statistical Thinking at assessall.com.
Enter your goals in the Goals sheet, import the Quarterly Money Dates calendar and close one gap a week. For a goal-setting method that anticipates obstacles, Jobulary has a helpful guide to the WOOP method at jobulary.com, which pairs well with the kit's quarterly reviews.
Digital kits are non-refundable once downloaded, except for corrupted files that are not fixed within 3 working days, duplicate charges or failed delivery. If anything does not open properly, write to us and we will put it right.
₹799 including 18% GST for buyers in India, or $24 for buyers outside India. One-time payment, no subscription, with an automatic invoice.
Instantly. Your download page opens the moment payment succeeds, and a permanent download link is emailed to you. Download each file separately or everything in one ZIP.
Any of the usual tools: Excel or Google Sheets for spreadsheets, Word or Google Docs for templates, Adobe Acrobat Reader, Preview, Xodo or GoodNotes for the fillable PDFs, and Google, Outlook or Apple Calendar for the calendar plan.
Because it is a digital download, kits are not refundable once downloaded. We always refund a duplicate charge or a failed delivery, and if a file is corrupted and we cannot fix it within 3 working days. Full terms: bodhih.org/refunds.
Yes. Team and company licences, and workshops on this topic run by Bodhih Training, are available. Write to solutions@bodhih.com or call +91 99000 11601.
