--- title: "Stretch the Paycheck Kit: Budget for a Tight Month | MCC" description: "For a tight month: a bare-bones budget workbook, a bill priority worksheet, a call-first list with NJ help lines, a 30-day reset plan and a price sheet." url: "https://mcc-solutionsnj.com/toolkits/stretch-the-paycheck-kit" --- Document pack # Stretch the Paycheck Kit: A Bare-Bones Budget, Bill Priority Worksheet and 30-Day Plan for a Tight Month Cover the essentials first, call before you fall behind, and get through the next 30 days. **$9** one time · 14-day full refund · Word and PDF · download link by email Buy now, $9 Free sample [También disponible en español](/toolkits/es-estirar-el-sueldo) [Disponib an kreyòl tou](/toolkits/ht-fe-chek-la-rive) [Também disponível em português](/toolkits/pt-esticar-o-salario) 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) Who it is for Anyone short on money this month who needs a simple plan for which bills to pay, who to call and how to spend less, with New Jersey help lines included. Not the right fit if You need debt negotiation or legal help with an eviction or shutoff: this is a budget plan; call the help lines it lists. Why it is different - Checked against consumerfinance.gov, consumer.ftc.gov and nj.gov, November 2026. - Short and survival-focused: one month, not a full-year budget. - Word, PDF and an Excel workbook; no income promises. What is inside - **Start here and bare-bones budget.** Money in, must-pay costs by group, and the gap, on one page. - **Bill priority worksheet.** The six groups from CFPB and FTC guidance, matching the free calculator, with a fill-in table. - **Call these first contact list.** What to say, a call log and New Jersey help lines checked on nj.gov. - **30-day spending reset plan.** One short step a day for four weeks, scam warning signs and a daily spending log. - **Price comparison sheet.** Unit prices across up to three stores, with a checklist before buying bigger sizes. - **Bare-bones budget workbook (Excel).** Budget, bill priority that pays in order and flags calls, a 30-day spending log and unit-price math. A look inside ## The first pages, as you will get them [![Page 1 of the Start Here and Bare Bones Budget (Stretch the Paycheck Kit)](/img/toolkits/stretch-the-paycheck-kit/doc-1.webp)](/img/toolkits/stretch-the-paycheck-kit/doc-1.webp) First page of Start Here and Bare Bones Budget [![Page 1 of the Bill Priority Worksheet (Stretch the Paycheck Kit)](/img/toolkits/stretch-the-paycheck-kit/doc-2.webp)](/img/toolkits/stretch-the-paycheck-kit/doc-2.webp) First page of Bill Priority Worksheet Get it ## Stretch the Paycheck Kit Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=stretch-the-paycheck-kit) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting advice. General information and planning worksheets, not legal, tax or financial advice. The bill order is a published rule of thumb; your situation may call for a different one. Each assistance program decides who qualifies. Not affiliated with the CFPB, FTC or any New Jersey agency. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right. Ways to get it ## Just this kit, or more This kit **$9 one time** Stretch the Paycheck Kit. Buy this kit The set **$29 one time** 6 kits including this one, $40 less than buying them separately. [See the set](/toolkits/tough-times-toolkit) Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## Common questions **What do I get and how is it delivered?** The Stretch the Paycheck Kit comes as a zip with five documents, each as an editable Word file and a printable PDF: Start Here and Bare Bones Budget, Bill Priority Worksheet, Call These First Contact List, 30 Day Spending Reset Plan, and Price Comparison Sheet, plus an Excel workbook (Bare Bones Budget Workbook). The download link arrives by email after payment. **Will it open on a Mac, Google Sheets or my phone?** The PDFs open in any PDF reader, and the Word files edit in Word, Google Docs or LibreOffice. The workbook is built for Excel and tested in LibreOffice; it should open in Google Sheets, but not every feature is tested there. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund. **Is this legal or tax advice?** General information and planning worksheets, not legal, tax or financial advice. **Is it up to date?** It was checked against consumerfinance.gov, consumer.ftc.gov and nj.gov in November 2026. Each assistance program decides who qualifies. Free sample ### Try one page first Get a real page or file from this product by email. We send one confirmation email, and no series follows. Buy it with the others [Bundle ### Tough Times Toolkit This product plus 5 more, in one download. $29 instead of $69 separately](/toolkits/tough-times-toolkit)[### Month-End Close Workbook A real month-end close in one Excel file. 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