The Wealth Growth Formula:

20 Game-Changing Habits

to Cut Expenses, Save More & finally Build a Financial Future

before is too late...



Discover why traditional saving isn’t enough and how to take control of your finances with The Wealth Growth Formula—your step-by-step blueprint to eliminate financial stress, save more effortlessly, and grow lasting wealth.



The Wealth Growth Ultimate Bundle

83 Page Wealth Growth eBook +

Ultimate Annual Budget Google Sheets Spreadsheet

+ BONUSES!!

In this powerful bundle you’ll get the Wealth Growth Formula ebook where you will learn 20 proven habits that will help you:

  • Slash unnecessary expenses without sacrificing your lifestyle.
  • Save consistently, even if you think you don’t have extra cash.
  • Invest with confidence, so your money works for you 24/7.
  • Break free from paycheck-to-paycheck living and build real financial security.

You will also receive...


Our Ultimate Annual Budget Spreadsheet

Everything you need to keep track of your finances!

  • Master the 50/30/20 Budgeting Method – Automatically allocate your income into needs, wants, and savings so you can spend wisely and save effortlessly.


  • Crush Your Debt Faster – Choose between the Snowball or Avalanche Method, track your progress, and watch your debt shrink every month!


  • Supercharge Your Savings with Challenges & Sinking Funds – Use the built-in Money Challenge Tracker and Sinking Funds Planner to hit your savings goals faster.


  • Track Every Dollar with the Expense & Net Worth Tracker – Gain complete financial clarity by monitoring where your money goes and how your wealth grows over time.


  • Plan Ahead with the Smart Financial Calendar – Never miss a bill, paycheck, or savings deadline with an integrated calendar designed to keep you on track.


  • Easy-to-use Google Sheets Budgeting Spreadsheet – Use your FREE google account to easily plug in your own information. Use the step-by-step instructions included to get started on your financial journey!

Exclusive Bonuses Just For

YOU!

Along with the Course, get special bonuses that turbocharge your online success. These extras are designed to complement your learning and give you an edge in your journey to financial security.

Act now to unlock these invaluable tools!

BONUS 1: Financial Freedom Checklist -

Your Step-by-Step Guide to Wealth

  • A simple yet powerful roadmap to help you stay on track, build wealth, and reach financial independence faster!
  • Step-by-Step Action Plan – Follow a clear, proven path to budgeting, saving, investing, and eliminating debt—one step at a time.
  • Easy-to-Print Version – Keep a physical copy on your desk, fridge, or planner to stay motivated and track your progress daily.
  • Smart Money Habits Made Simple – Learn the exact strategies to manage money wisely, cut unnecessary expenses, and grow your wealth effortlessly.
  • Set, Track & Achieve Your Goals – From emergency funds to investment milestones, stay accountable and celebrate every financial win!
  • Designed for Every Stage of Your Journey – Whether you’re just starting or already saving and investing, this checklist keeps you focused on the next step.

BONUS 2: Wealth Growth Worksheets

  • Get four powerful, easy-to-use worksheets designed for those who prefer to map out their finances on paper—helping you track, plan, and grow your wealth with clarity!
  • Net Worth Tracker – Get a clear snapshot of your financial health by calculating what you own vs. what you owe—watch your wealth grow over time!
  • Goal Planner – Set realistic, actionable financial goals and create a step-by-step plan to achieve them—whether it’s saving for a house, crushing debt, or investing more.
  • Budget Planner – Break down your income, expenses, and savings using a structured budgeting worksheet to keep your finances in check every month.
  • Money Leaks Tracker – Identify hidden spending habits that are draining your wallet and find quick ways to cut costs without sacrificing what you love!

79% of Savers Are Losing Money While Banks & Inflation Win – Take Control Today!

Is Your Money Actually Working for You?


Every year, millions of people think they’re saving wisely, but in reality, their money is losing value. You deposit your hard-earned cash into a bank, yet with inflation averaging 3% or more, your savings can’t keep up with rising costs. Meanwhile, banks lend out your money at 10x higher rates, profiting while your financial future remains stagnant.


It’s time to break free from the cycle of stagnant savings and start building real, lasting wealth.


Inside The Wealth Growth Formula, you’ll discover 20 essential habits to:

  • Slash wasteful expenses & maximize savings effortlessly
  • Use smart budgeting systems to take full control of your money
  • Crush debt faster with proven payoff strategies
  • Invest with confidence—even if you're a beginner
  • Track, plan, and accelerate your wealth with exclusive bonus tools

Your financial future shouldn’t depend on a bank’s low interest rates. With the right habits, strategies, and tools, you can take charge, grow your wealth, and finally achieve financial freedom.


Get the guide + bonuses today and start making your money work for YOU!

Get the Wealth Growth Formula Bundle Today!

With the bundle, you gain immediate access to invaluable resources on how to take charge of your budget and your financial future. For a limited time, grab this comprehensive package at an unbeatable price. Don’t miss this chance to transform your future!

WEALTH GROWTH FORMULA BUNDLE

$19.99 USD

Vat/Tax Included

  • Full 83-Page Wealth Growth Formula PDF - 20 Essential Habits to slash expenses, save more, and build financial freedom
  • Our Ultimate Annual Budget Spreadsheet - Easy-to-use Google Sheets Spreadsheet to keep track of all of your finances
  • BONUS 1: Financial Freedom Checklist - Your Step-by-Step Guide to Wealth
  • BONUS 2: Financial Freedom Worksheets - For when you prefer to write things out on paper

Still Got Questions?

Here Are the Answers

What exactly will this guide teach me?

This guide reveals why traditional banking keeps you stuck in the cycle of saving without growing and introduces 20 powerful habits the wealthy use to build lasting financial freedom. You'll get step-by-step strategies to take control of your money, slash unnecessary expenses, eliminate debt faster, and make your savings work for you. Plus, you'll discover how to set up smart financial systems, grow passive income, and protect your wealth from losing value over time—without needing Wall Street expertise.

Is this guide suitable for beginners?

Absolutely. We’ve designed it for anyone who wants to take control of their finances, whether you’re a complete beginner or have some investment experience. The guide explains everything in clear, simple terms with actionable steps anyone can follow.

Do I need a large amount of money to start?

Not at all! The strategines we share are suitable for any budget. You’ll learn techniques that you can start with a small amount of money and grow over time. The goal is to help you budget and find hidden money that you can put towards your investment goals.

How quickly can I see results?

Some changes—like cutting unnecessary expenses and tracking your money better—can lead to instant savings, while bigger financial wins—like paying off debt, growing investments, and building lasting wealth—happen over time. By using The Wealth Growth Formula, the budgeting spreadsheet, and the bonus worksheets consistently, you'll start seeing noticeable improvements within the first few weeks, and with dedicated action, you can completely transform your finances in the next 12 months!

What resources come with the guide?

Along with The Wealth Growth Formula ebook, you’ll get a fully interactive budgeting spreadsheet (Google Sheets) featuring the 50/30/20 budgeting method, debt repayment calculators (Snowball & Avalanche), net worth tracking, an expense tracker, sinking funds, and a financial calendar—everything you need to take full control of your money.


Plus, you’ll receive bonus printable worksheets for goal setting, tracking money leaks, planning your budget, and calculating your net worth, along with the Financial Freedom Checklist—a step-by-step guide to help you stay on track and build lasting wealth.


Every tool in this bundle is designed to help you save more, eliminate debt, and grow your wealth faster—without feeling overwhelmed

Is there a money-back guarantee?

While we can’t offer refunds on digital products, we’re confident in the value this guide brings. The strategies inside are designed to help you save and grow your money—many users report getting more than their money’s worth within days of implementing the tips.

How can I contact you?

You can email me at monica@wgformula.com or contact me through my social media accounts on TikTok, Instagram or YouTube

All Rights Reserved Neira Studios

Disclaimer

This guide is provided for informational purposes only and does not constitute financial, investment, or legal advice. The content is based on research and personal experience and is intended to share general information about financial concepts and strategies. Individual financial situations vary, and it’s important to consult a qualified financial advisor before making any investment or financial decisions. We do not guarantee specific results, and all investments carry risk. The creators and distributors of this guide are not responsible for any losses or damages resulting from actions taken based on its contents.