This challenge helps you take small, non-intimidating steps to get a handle on your finances, release shame, and build confidence—without stress or guilt. Each day features a simple task, a reflection prompt, and an action step.
Meet my favorite financial sidekick—this magical spreadsheet that helped me pay off over $150K in debt (yep, you read that right). It's not just any spreadsheet; it's a system that keeps things simple, clear, and totally doable, even if you're not a numbers person.
I have used every single app, website, budgeting tool and journal over the years and nothing worked. I decided to “pay attention” and try it manually. Voila. It worked.
Meet my favorite financial sidekick—this magical spreadsheet that helped me pay off over $150K in debt (yep, you read that right). It's not just any spreadsheet; it's a system that keeps things simple, clear, and totally doable, even if you're not a numbers person.
I have used every single app, website, budgeting tool and journal over the years and nothing worked. I decided to “pay attention” and try it manually. Voila. It worked.
This challenge helps you take small, non-intimidating steps to get a handle on your finances, release shame, and build confidence—without stress or guilt. Each day features a simple task, a reflection prompt, and an action step.
Meet my favorite financial sidekick—this magical spreadsheet that helped me pay off over $150K in debt (yep, you read that right). It's not just any spreadsheet; it's a system that keeps things simple, clear, and totally doable, even if you're not a numbers person.
I have used every single app, website, budgeting tool and journal over the years and nothing worked. I decided to “pay attention” and try it manually. Voila. It worked.
TERMS AND CONDITIONS OF USE
Last Updated on January 26, 2025.
These are the official Terms and Conditions of Use for KATY RIPP COACHING located at 2022 MAIN STREET, CROSS PLAINS, WI 53528, herein known and referenced as “Company,” “Our,” “We,” and “Us.”
Our email is [email protected]. “You” and “Your” refers to users of this Company’s website, communications, offerings, and related materials, herein known as “Offering.”
NOTICE: These Terms and Conditions of Use are legally binding. It is Your responsibility to read these Terms and Conditions of Use carefully prior to purchase, use, or access of any of Our products, including online courses.
DISCLAIMER
We are not licensed financial advisors, accountants, or attorneys. The information provided through our Offering is for educational and informational purposes only and should not be construed as financial, legal, or professional advice. Any financial decisions You make based on Our Offering are made at Your own risk. You should consult with a qualified financial professional before making any financial decisions.
We expressly disclaim any responsibility for any liability, loss, or risk, personal or otherwise, incurred as a consequence, directly or indirectly, from the use and application of any information provided by Us. Your reliance on any information provided through Our Offering is solely at Your own risk.
We make no guarantees about Your financial success, debt reduction, or business outcomes from using Our products or services. Individual results may vary based on a variety of factors including but not limited to personal effort, financial situation, and external economic conditions.
GENERAL PROVISIONS
This website is owned and operated by Company.
You must be at least eighteen years of age to use Our website. Use of this website is at Your own risk. We host Our site on a reputable platform and take reasonable efforts to maintain and host the site. However, We make no explicit representations or warranties as to the safety of Your individual use of the website. The Terms and Conditions contained on this page are subject to change at any time.
TERMS OF SITE & PURCHASER AGREEMENT
All products are owned and provided by Company. These Terms and Conditions of Use govern and define how You are allowed to use and access Company’s Offering. We reserve the right to update and change these Terms and Conditions of Use at any time, and will update them accordingly with the ‘date last updated’ at the top of this page.
You are legally bound to these Terms and Conditions of Use whether or not You have read them. If You do not agree with any of Our Terms and Conditions of Use, please email Us at the contact details listed at the top of this agreement, and We will make reasonable efforts to remove Your name, email, and access to Our Offering and website(s).
LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
Your access to or use of or inability to access or use Our Offering;
Any conduct or content of any third party on Our Offering;
Any content obtained from the Offering; and
Unauthorized access, use, or alteration of Your transmissions or content.
In no event shall Our aggregate liability exceed the amount paid by You to Us in the twelve (12) months preceding the event giving rise to the claim.
INDEMNIFICATION
You agree to indemnify and hold Us harmless from any claims, damages, liabilities, costs, and expenses, including legal fees, arising out of or related to Your breach of these Terms and Conditions, Your use of Our Offering, or Your violation of any rights of a third party.
REFUND POLICY
Due to the digital nature of Our products and services, all sales are final. No refunds will be provided unless otherwise stated in writing.
INTELLECTUAL PROPERTY NOTICE
All images, text, designs, graphics, trademarks, and service marks are owned by and property of Company, or the properly attributed party. You may not use Our intellectual property in whole or in part without prior written consent.
GOVERNING LAW
These Terms and Conditions shall be governed by and construed in accordance with the laws of Wisconsin, United States. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Wisconsin, United States.
CONTACT INFORMATION
If You have any questions about these Terms and Conditions, please contact Us at [email protected].
ALL RIGHTS RESERVED
All rights not expressly granted in these Terms and Conditions are reserved by Company.
SEVERABILITY
If any part of these Terms and Conditions is deemed unlawful or unenforceable, all other provisions will remain in full force and effect.