{"title":"Everyday Records","description":"\u003cp\u003eOriginal English PDF guides for ordinary payments, notices, purchases and planning records. One-time purchases and digital delivery.\u003c\/p\u003e","products":[{"product_id":"before-the-automatic-payment","title":"Before the Automatic Payment","description":"\u003cp\u003e\u003cstrong\u003eOriginal English PDF guide and printable workbook · 9 A5 pages · Northmere Press.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eAn automatic payment is an instruction, not a substitute for knowing what will happen. Its usefulness depends on the amount, date, account and agreement behind it. This guide helps you examine one existing arrangement before money moves and keep a clear record afterwards. It does not recommend a payment method or tell you to cancel an obligation. Start with the current provider's information, distinguish scheduled from completed activity and leave unanswered questions visible. You do not need to put private account numbers or passwords on these pages.\u003c\/p\u003e\u003ch2\u003eInside this guide\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eFind the instruction\u003c\/li\u003e\n\u003cli\u003eCheck the amount rule\u003c\/li\u003e\n\u003cli\u003eRead the timing carefully\u003c\/li\u003e\n\u003cli\u003eVerify the payment source\u003c\/li\u003e\n\u003cli\u003eUnderstand a change before making it\u003c\/li\u003e\n\u003cli\u003eConfirm the outcome\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIncludes six short chapters with exercises, a fictional worked example, two planning pages and a four-pass practice routine. One downloadable PDF after a one-time payment. Read on a PDF-compatible device or print for personal use. No physical book is shipped; the cover image illustrates the digital edition.\u003c\/p\u003e\u003cp\u003eGeneral education, not personalised financial, investment, tax or legal advice. No result is guaranteed. Personal-use licence; redistribution and resale are not included.\u003c\/p\u003e\u003cp\u003eOrder and download help: contact@horizonbirch.site. Operated by DEKKER'S DECKS, LLC. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e and \u003ca href=\"\/pages\/digital-delivery\"\u003edigital delivery information\u003c\/a\u003e.\u003c\/p\u003e","brand":"Northmere Press","offers":[{"title":"Default Title","offer_id":68434510971123,"sku":null,"price":12.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0856\/6544\/8179\/files\/birch-before-the-automatic-payment.jpg?v=1793901169"},{"product_id":"a-second-look-at-the-renewal-notice","title":"A Second Look at the Renewal Notice","description":"\u003cp\u003e\u003cstrong\u003eOriginal English PDF guide and printable workbook · 9 A5 pages · Northmere Press.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eA renewal notice deserves to be read as a description of a new period, not merely a reminder of an old purchase. The price, included service and decision dates may have changed. This booklet helps you separate what continues from what needs a fresh look. It does not recommend cancelling, renewing or switching a particular product. Work from the notice and agreement that apply to you, and obtain appropriate help when the consequences involve important rights or protection. The goal is a clearer record of the decision, including the facts you still need.\u003c\/p\u003e\u003ch2\u003eInside this guide\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eIdentify the period being renewed\u003c\/li\u003e\n\u003cli\u003eCompare the stated contents\u003c\/li\u003e\n\u003cli\u003eSeparate the dates\u003c\/li\u003e\n\u003cli\u003eExamine the complete amount\u003c\/li\u003e\n\u003cli\u003eReview your current need\u003c\/li\u003e\n\u003cli\u003eKeep the decision evidence\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIncludes six short chapters with exercises, a fictional worked example, two planning pages and a four-pass practice routine. One downloadable PDF after a one-time payment. Read on a PDF-compatible device or print for personal use. No physical book is shipped; the cover image illustrates the digital edition.\u003c\/p\u003e\u003cp\u003eGeneral education, not personalised financial, investment, tax or legal advice. No result is guaranteed. Personal-use licence; redistribution and resale are not included.\u003c\/p\u003e\u003cp\u003eOrder and download help: contact@horizonbirch.site. Operated by DEKKER'S DECKS, LLC. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e and \u003ca href=\"\/pages\/digital-delivery\"\u003edigital delivery information\u003c\/a\u003e.\u003c\/p\u003e","brand":"Northmere Press","offers":[{"title":"Default Title","offer_id":68434511036659,"sku":null,"price":11.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0856\/6544\/8179\/files\/birch-a-second-look-at-the-renewal-notice.jpg?v=1793901176"},{"product_id":"the-everyday-cash-record","title":"The Everyday Cash Record","description":"\u003cp\u003e\u003cstrong\u003eOriginal English PDF guide and printable workbook · 9 A5 pages · Northmere Press.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eCash can disappear from a digital record even though it remains part of daily spending. A withdrawal shows money moved into cash, not how that cash was subsequently used. This guide offers a small way to record notes and coins without counting the same expense twice. It is intended for ordinary personal organisation, not business accounting or tax compliance. You can use safe labels and modest detail. The aim is to explain movements and differences well enough to ask a useful question, while recognising that an estimate or forgotten receipt is not a confirmed transaction.\u003c\/p\u003e\u003ch2\u003eInside this guide\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eChoose a starting point\u003c\/li\u003e\n\u003cli\u003eTreat a withdrawal as a transfer\u003c\/li\u003e\n\u003cli\u003eUse a light transaction note\u003c\/li\u003e\n\u003cli\u003eRecord money coming back\u003c\/li\u003e\n\u003cli\u003eCompare the counted balance\u003c\/li\u003e\n\u003cli\u003eCarry forward a clear record\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIncludes six short chapters with exercises, a fictional worked example, two planning pages and a four-pass practice routine. One downloadable PDF after a one-time payment. Read on a PDF-compatible device or print for personal use. No physical book is shipped; the cover image illustrates the digital edition.\u003c\/p\u003e\u003cp\u003eGeneral education, not personalised financial, investment, tax or legal advice. No result is guaranteed. Personal-use licence; redistribution and resale are not included.\u003c\/p\u003e\u003cp\u003eOrder and download help: contact@horizonbirch.site. Operated by DEKKER'S DECKS, LLC. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e and \u003ca href=\"\/pages\/digital-delivery\"\u003edigital delivery information\u003c\/a\u003e.\u003c\/p\u003e","brand":"Northmere Press","offers":[{"title":"Default Title","offer_id":68434511134963,"sku":null,"price":10.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0856\/6544\/8179\/files\/birch-the-everyday-cash-record.jpg?v=1793901191"},{"product_id":"a-price-you-can-compare","title":"A Price You Can Compare","description":"\u003cp\u003e\u003cstrong\u003eOriginal English PDF guide and printable workbook · 9 A5 pages · Northmere Press.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eTwo prices can look different while describing different quantities, periods or contents. A useful comparison begins by asking whether the offers do the same job. This guide helps you define a comparison basis, check the complete amount and preserve the conditions that could change the decision. It does not recommend the cheapest option or promise savings. Quality, suitability, timing and your circumstances remain relevant. Work from current descriptions and stated figures, label estimates honestly and leave an offer outside the comparison when it cannot meet an essential requirement.\u003c\/p\u003e\u003ch2\u003eInside this guide\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eDefine the same job\u003c\/li\u003e\n\u003cli\u003eChoose a clear comparison unit\u003c\/li\u003e\n\u003cli\u003eInclude required additional costs\u003c\/li\u003e\n\u003cli\u003eRead the conditions behind a discount\u003c\/li\u003e\n\u003cli\u003eConsider the useful result\u003c\/li\u003e\n\u003cli\u003eKeep a dated decision note\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIncludes six short chapters with exercises, a fictional worked example, two planning pages and a four-pass practice routine. One downloadable PDF after a one-time payment. Read on a PDF-compatible device or print for personal use. No physical book is shipped; the cover image illustrates the digital edition.\u003c\/p\u003e\u003cp\u003eGeneral education, not personalised financial, investment, tax or legal advice. No result is guaranteed. Personal-use licence; redistribution and resale are not included.\u003c\/p\u003e\u003cp\u003eOrder and download help: contact@horizonbirch.site. Operated by DEKKER'S DECKS, LLC. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e and \u003ca href=\"\/pages\/digital-delivery\"\u003edigital delivery information\u003c\/a\u003e.\u003c\/p\u003e","brand":"Northmere Press","offers":[{"title":"Default Title","offer_id":68434511167731,"sku":null,"price":13.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0856\/6544\/8179\/files\/birch-a-price-you-can-compare.jpg?v=1793901183"},{"product_id":"the-small-home-project-planner","title":"The Small Home Project Planner","description":"\u003cp\u003e\u003cstrong\u003eOriginal English PDF guide and printable workbook · 9 A5 pages · Northmere Press.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eA modest home project can involve several linked decisions: what the job includes, what materials are needed and which work should be left to a qualified person. This workbook organises costs and questions rather than giving construction instructions. It does not establish whether work is safe, lawful or suitable for you to perform. Define one small project, check relevant requirements and use qualified help where needed. A clear plan should make uncertainty visible before a purchase or commitment, while leaving room for changed information and the practical conditions of the space.\u003c\/p\u003e\u003ch2\u003eInside this guide\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eDescribe the boundary of the job\u003c\/li\u003e\n\u003cli\u003eCheck what is already suitable\u003c\/li\u003e\n\u003cli\u003eBuild the materials record\u003c\/li\u003e\n\u003cli\u003eRead the scope of a quote\u003c\/li\u003e\n\u003cli\u003eConnect timing and commitments\u003c\/li\u003e\n\u003cli\u003eReview before closing the project\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIncludes six short chapters with exercises, a fictional worked example, two planning pages and a four-pass practice routine. One downloadable PDF after a one-time payment. Read on a PDF-compatible device or print for personal use. No physical book is shipped; the cover image illustrates the digital edition.\u003c\/p\u003e\u003cp\u003eGeneral education, not personalised financial, investment, tax or legal advice. No result is guaranteed. Personal-use licence; redistribution and resale are not included.\u003c\/p\u003e\u003cp\u003eOrder and download help: contact@horizonbirch.site. Operated by DEKKER'S DECKS, LLC. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e and \u003ca href=\"\/pages\/digital-delivery\"\u003edigital delivery information\u003c\/a\u003e.\u003c\/p\u003e","brand":"Northmere Press","offers":[{"title":"Default Title","offer_id":68434511233267,"sku":null,"price":14.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0856\/6544\/8179\/files\/birch-the-small-home-project-planner.jpg?v=1793901198"},{"product_id":"a-season-of-costs-one-page-at-a-time","title":"A Season of Costs, One Page at a Time","description":"\u003cp\u003e\u003cstrong\u003eOriginal English PDF guide and printable workbook · 9 A5 pages · Northmere Press.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eA season can contain costs that are easy to miss in a single weekly page: travel, school or household events, periodic services and changing routines. This workbook helps you look ahead across a defined period without pretending that every date and amount is certain. It does not prescribe a reserve or guarantee that a plan is affordable. Start with known commitments, label estimates and review the page when real information arrives. The useful result is a clearer view of what deserves attention next, not a perfect prediction of the coming months.\u003c\/p\u003e\u003ch2\u003eInside this guide\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eDefine the season you mean\u003c\/li\u003e\n\u003cli\u003eList known events first\u003c\/li\u003e\n\u003cli\u003eLabel the estimates honestly\u003c\/li\u003e\n\u003cli\u003ePlace preparation before the event\u003c\/li\u003e\n\u003cli\u003eReview after a real change\u003c\/li\u003e\n\u003cli\u003eClose with context for next time\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIncludes six short chapters with exercises, a fictional worked example, two planning pages and a four-pass practice routine. One downloadable PDF after a one-time payment. Read on a PDF-compatible device or print for personal use. No physical book is shipped; the cover image illustrates the digital edition.\u003c\/p\u003e\u003cp\u003eGeneral education, not personalised financial, investment, tax or legal advice. No result is guaranteed. Personal-use licence; redistribution and resale are not included.\u003c\/p\u003e\u003cp\u003eOrder and download help: contact@horizonbirch.site. Operated by DEKKER'S DECKS, LLC. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e and \u003ca href=\"\/pages\/digital-delivery\"\u003edigital delivery information\u003c\/a\u003e.\u003c\/p\u003e","brand":"Northmere Press","offers":[{"title":"Default Title","offer_id":68434511823091,"sku":null,"price":14.9,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0856\/6544\/8179\/files\/birch-a-season-of-costs-one-page-at-a-time.jpg?v=1793901244"}],"url":"https:\/\/horizonbirch.shop\/collections\/everyday-records.oembed","provider":"Horizon","version":"1.0","type":"link"}