Stop wondering where your money went.
Find Your Margin is a guided spending reset built by Next Chapter Financial Coaching. You get the full program, and all 10 lessons stay yours for life.
Get Find Your MarginOne payment. Instant access, and the Margin Guarantee has your back.
In 7 days, you'll have:
- a clear picture of where your money goes
- a list of leaks worth fixing first
- a bill-to-paycheck map
- a starter budget that works in real life
- a 90-day plan tied to one real goal
You make money. But it still feels like it disappears.
Maybe you've tried:
- budgeting apps
- random spreadsheets
- telling yourself you just need to spend less
- starting over every few weeks
And maybe none of it has really stuck.
You're not alone if:
- you feel like your paycheck disappears too fast
- you know you're wasting money somewhere, but you're not sure where
- you want to save, but something always seems to get in the way
- you feel like you should be further along by now
- you're tired of avoiding your numbers and hoping next month feels different
Spending less is only part of it. The bigger win is getting clear on:
- where your money is going
- what's quietly draining it
- what to change first
- and how to build a system that works in real life
Why budgeting hasn't stuck before
For most people, the problem isn't a lack of effort.
It's that they've been trying to fix money backwards.
They start with pressure and guilt and a vague promise to have more discipline next month.
But real progress usually starts somewhere else:
That's the order Find Your Margin follows. Each day does one thing. By Day 7, you have a system you can actually keep.
You won't be tracking every penny forever. The point is clarity, some breathing room, and a plan you'll keep using.
Introducing Find Your Margin
What it helps you do
- See where your money is going
- Find recurring + everyday leaks
- Lower normal monthly costs
- Map bills to paychecks
- Build a starter budget
- Create a 90-day action plan
What you'll get
- 10 short lesson videos
- 34-page workbook
- 7 Google Sheets tools
- Copy-and-use scripts
- 90-day follow-through system
What it's NOT
- A generic budgeting course
- A pile of downloads with no guidance
- A complicated system you'll abandon in 3 days
This is a guided reset built to help you make real, visible progress in one week, plus the structure to keep that going for the next 90 days.
Everything that comes with Find Your Margin
10 video lessons
Welcome, Day 0 through Day 7, plus a Bonus module for tight months. Average 5 minutes each.
Watch a 1-minute sample lessonThe Find Your Margin Workbook
34 pages. Fillable PDF or printable. It's the spine of your 7 days, and every lesson points back to a workbook prompt.
Preview a workbook page7 Google Sheets tools
Spending Snapshot, Subscription Audit, Leak Heatmap, Bill Timing Map, Starter Budget, Goal Path, 90-Day Action Plan.
Preview a toolScripts and templates
Cancellation. Negotiation. Due-date change requests. Hardship triage. Tested wording for the conversations most people avoid.
The 90-day follow-through system
This turns a good week into a system you keep. You get weekly check-ins and monthly resets, plus prompts to automate the parts worth automating.
The Margin Guarantee
Complete the 7 days and it doesn't find you at least what you paid in savings? Full refund. 60 days to decide.
That's $197, one payment. You keep all of it.
What happens in 7 days
Welcome: Start Here
How the program works, what to expect, and how to set yourself up to actually finish.
Day 0: Setup + Choose Goal Path
Get organized, choose your main money goal, and start with clarity instead of overwhelm.
Day 1: Money Snapshot
See where you stand by mapping income, fixed bills, debt minimums, and savings.
Day 2: Subscription + Recurring Charge Audit
Find the money leaving on autopilot and decide what to keep, pause, cancel, or downgrade.
Day 3: Everyday Spending Leak Finder
Spot the spending patterns that are quietly costing you the most.
Day 4: Lower the Cost of Normal Life
Find realistic ways to reduce everyday costs without making life miserable.
Day 5: Bill Timing + Budget Build
Map bills to paychecks and build a starter budget that works in real life. (Heavier session, so plan about an hour.)
Day 6: Put the Saved Money to Work
Choose where your freed-up money should go based on your biggest current goal.
Day 7: Make It Stick for 90 Days
Build a simple follow-through system so you don't end up right back where you started.
Bonus: What to Do If You're Still Short This Month
If things are still tight right now, you'll get a calm short-term triage plan. Bill prioritization, hardship scripts, what to call first, what to defer.
Who this is for
This is for you if...
- you make money but still feel like it disappears
- you want to get out of debt, build savings, buy a home, or finally start retirement progress
- you've tried budgeting before, but it never really stuck
- you want something practical, not preachy
- you want a real system, not random tips
- you're ready to take action, even if you don't have everything perfectly organized yet
This is probably not for you if...
- you want advanced investing education
- you want a complex financial planning program
- you're looking for legal, tax, or investment advice
- you're not willing to look honestly at your spending
- you want someone else to do the work for you
This is for people who want a clear picture of their money and a practical next step. Members also get a say in what changes next.
About the course creator
Greg Raphan's clients have, on average, found about $1,000 in their newly available monthly budget after working with him. Individual results vary. He's a Certified Financial Coach and the founder of Next Chapter Financial Coaching. He started the practice after paying off more than $100,000 in personal debt, which taught him how big the gap is between knowing what to do with money and having a system that actually fits real life. Greg built Find Your Margin to put that system in reach for people who want clarity without committing to one-on-one coaching.
Questions? Email us at contact@nextchapterfinancialcoaching.com
Get Find Your Margin
$197. One payment, nothing recurring.
- 10 video lessons
- The 34-page workbook
- All 7 Google Sheets tools
- All scripts and templates
- The 90-day follow-through plan
- The Bonus module
- Lifetime access, so everything stays yours
One payment of $197. Instant access, and it's yours for good.
The Margin Guarantee
Complete the 7 days. If it doesn't find you at least what you paid in savings for the next 60 days, we refund 100 percent of the purchase price. You keep everything. 60 days to decide.
Frequently asked questions
The honest objections
"I can probably figure this out on my own."
You probably could piece parts of this together for free.
But free advice is usually scattered. This product gives you:
- the right order
- the right tools
- the right decisions
- and a finish line
That's what makes it valuable.
"I don't want another money product I never use."
That's fair. This was built to avoid that exact problem. It's short, structured, action-focused, and designed to help you create visible wins fast.
"I don't have enough money to spend on this right now."
That concern makes sense. The program exists to help you find leaks and create breathing room, so at $197 it only has to turn up one or two monthly leaks to pay for itself. If it doesn't, the Margin Guarantee gets your money back.
"I don't want something that makes me feel judged."
Neither do we. The whole tone is calm and practical, with no guilt. The goal is clarity and a way forward.
"How do I know this is legit?"
Built by Next Chapter Financial Coaching, a financial coaching practice founded by Greg Raphan, a Certified Financial Coach. His clients have, on average, found about $1,000 in their newly available monthly budget after working with him. Individual results vary. The Margin Guarantee backs every purchase. There's a real contact email, a real refund policy, and a real person you can reach through the support page.
You don't need a perfect money system right now.
You need a clear next step.
If you're tired of:
- wondering where your money went
- avoiding the numbers
- leaking money every month
- and starting over again and again
this is a practical reset you can start today, for one payment of $197.
Get Find Your MarginJoin now and start Day 0 today.