{"title":"Money \u0026amp; Paperwork","description":"\u003cp\u003eThe expensive parts of owning a home, made visible.\u003c\/p\u003e\u003cp\u003eWhat your mortgage really costs and what paying extra would do. Whether your insurance actually covers what you own. Whether that renovation is running away from you.\u003c\/p\u003e","products":[{"product_id":"home-inventory-for-insurance","title":"Home Inventory for Insurance — Coverage Gap Calculator","description":"\u003cp\u003e\u003cstrong\u003eAfter a fire, the burden of proof is yours.\u003c\/strong\u003e Not the insurer's. If you cannot show what was in the house, you do not get paid for it — and most households discover this at the worst possible moment.\u003c\/p\u003e\n\n\u003cp\u003eThis is the document that settles a claim faster and higher: a room-by-room record of what you own, priced at what it would cost to replace today.\u003c\/p\u003e\n\n\u003ch3\u003eThe tab that makes this different\u003c\/h3\u003e\n\u003cp\u003eMost inventory templates are just a list. This one has a \u003cstrong\u003eCoverage Check\u003c\/strong\u003e tab. Type in the limits from your declarations page and it tells you whether your policy actually covers what you logged — and flags the categories your policy quietly caps.\u003c\/p\u003e\n\u003cp\u003eBecause your homeowners policy almost certainly pays a maximum of \u003cstrong\u003e$1,500 for all jewelry combined\u003c\/strong\u003e in a theft. And $2,500 for firearms. And $2,500 for silverware. Those limits are printed on page four of a document nobody reads. If your engagement ring is worth more than $1,500, this workbook will tell you tonight — while you can still do something about it.\u003c\/p\u003e\n\n\u003ch3\u003eWhat is inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCoverage Check\u003c\/strong\u003e — what you own versus what your policy pays, with special-limit warnings\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInventory\u003c\/strong\u003e — 260 formatted rows with room and category dropdowns, serial numbers, purchase price and replacement cost\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSummary by Room\u003c\/strong\u003e — automatic totals, so you can see which room carries the value\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePolicy \u0026amp; Documents\u003c\/strong\u003e — policy numbers, claims phone, and a step-by-step for the day you actually need it\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eDetails\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice\u003c\/li\u003e\n\u003cli\u003eInstant download\u003c\/li\u003e\n\u003cli\u003eBuilt around US homeowners policies (HO-3 structure and special limits)\u003c\/li\u003e\n\u003cli\u003eYours forever, single-user licence\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003csmall\u003eAn organizing tool, not insurance advice. 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This workbook shows you your version of that number in about five minutes.\u003c\/p\u003e\n\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Scenarios\u003c\/strong\u003e — six extra-payment amounts side by side. Months to payoff, years saved, total interest, and exactly how much each one saves you. This is the page people screenshot.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLoan Inputs\u003c\/strong\u003e — ten numbers off your closing disclosure, and every headline figure calculates: true monthly payment with taxes, insurance, PMI and HOA; total interest over the life of the loan; your real payoff date.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAmortization\u003c\/strong\u003e — all 480 possible payments with principal, interest, extra payments, running balance and loan-to-value. Type an extra payment into the inputs and the whole schedule rebuilds around it.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePMI section\u003c\/strong\u003e — the exact date you can write to your lender and request cancellation at 80% LTV, the date it terminates automatically at 78%, and how much PMI you have left to pay if you do nothing.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eEscrow Tracker\u003c\/strong\u003e — checks whether your servicer is over-collecting against the federal two-month cushion cap, and logs the account month by month.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eThe maths is right\u003c\/h3\u003e\n\u003cp\u003eInterest is calculated exactly — full payments for every month but the last, plus one partial final payment. The scenario tab ties out to the amortization schedule to the cent. No rounding fudge, no approximations dressed up as answers.\u003c\/p\u003e\n\n\u003ch3\u003eDetails\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice\u003c\/li\u003e\n\u003cli\u003eInstant download\u003c\/li\u003e\n\u003cli\u003eHandles 15, 20, 30 and 40-year terms\u003c\/li\u003e\n\u003cli\u003eYours forever, single-user licence\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003csmall\u003eA planning tool, not financial or tax advice, and no substitute for your lender's figures. PMI rules described are the federal Homeowners Protection Act defaults for conventional loans; FHA MIP works differently. Confirm with your servicer in writing.\u003c\/small\u003e\u003c\/p\u003e","brand":"Sparrowstead","offers":[{"title":"Digital download","offer_id":58713397723481,"sku":"SS-MTG-01","price":24.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1066\/6187\/1961\/files\/sparrowsteadmortgage.png?v=1785327710"},{"product_id":"renovation-budget-bid-tracker","title":"Renovation Budget \u0026amp; Contractor Bid Tracker","description":"\u003cp\u003e\u003cstrong\u003eRenovations do not go over budget in one big moment.\u003c\/strong\u003e They go over $750 at a time, through verbal change orders nobody wrote down, until the $40,000 kitchen is a $61,000 kitchen and you cannot point at where it happened.\u003c\/p\u003e\n\n\u003cp\u003eThis workbook makes it visible while you can still do something about it.\u003c\/p\u003e\n\n\u003ch3\u003eWhat is inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard\u003c\/strong\u003e — your ceiling, what you have spent, what you still owe vendors, contingency remaining, and which phases are over budget. It turns red the moment you cross the line.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eProject Budget\u003c\/strong\u003e — 120 line items across 24 phases, with automatic variance tracking in dollars and percent, plus paid-to-date and still-owed on every row.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBid Comparison\u003c\/strong\u003e — three contractors side by side, and not just on price: licence number, insurance verification, years in business, deposit terms, lien waivers and schedule. 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