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The HSR 50-20-20-10 Method

The HSR 50-20-20-10 Method

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Welcome to the HSR 50-20-20-10 Method! 

Besties, forget what you’ve been told about money! Women control 85% of consumer spend, yet get 2% of VC funding and are constantly told they’re bad at managing money. We are from the generation that’s been told you’ll never get ahead because you’re eating avocado toast and drinking Starbucks....I mean, that’s ridiculous. I've always been an advocate for investing in yourself, the point of life is not just to work, eat, survive.

The HSR 50-20-20-10 Method is the Maggie Sellers proprietary budgeting philosophy that empowers women to not have to sacrifice the things we all desire - having avocado toast, getting your hair blown out, nails done - but without completely derailing your financial security, savings and your goals. It is your simple, yet effective guide to make sure you are investing in yourself throughout this crazy journey we call life to become the hottest, smartest, richest version of yourself. After all, the most important investment you'll make in this life is in yourself.

This workbook and budgeting template will help you understand your needs and saves, make smart choices about your desires, and set goals to invest in yourself! 

What's Included

The HSR 50-20-20-10 Method & Workbook. The workbook includes:

  • The HSR 50-20-20-10 Method with 9 pages of insights on how the method works.
  • Hot Smart Rich Money Affirmations
  • Needs (1 worksheet)
  • Saves (2 worksheets)
  • Desires (6 worksheets and journal prompts)
  • Goals (4 worksheets and journal prompts)
  • Vision Board Exercise (4 templates)

The HSR 50-20-20-10 Budget Planner. The budget planner includes:

  • A sheet to import your goals
  • A summary that auto-calculates your monthly financial position
  • A deep dive into your: income, assets, debt, spending categories, credit card/bank statements, and non-recurring costs
  • A auto-calculated review of your current spending
  • A sheet to adjust your current spending to The HSR 50-20-20-10 Method

You Will Need

  • A Free Google account
  • A Free Canva account, if desired

Who This Method is For

  • An ambitious person who wants to take their financial freedom to the next level by unlocking a sense of control and growth over their finances and personal and professional development
  • Is willing to make a financial investment in themself in order to grow personally and professionally

The Fine Print

  • This is an instant download, digital product. No physical product will be shipped to you.
  • Under United States and worldwide copyright laws, this worksheet, including all worksheets and associated content, is a copyrighted work and the property of Creative MES LLC (d/b/a Hot Smart Rich).
  • This workbook and planner may not be copied or modified and uploaded to any website or online template gallery. Do not share it with anyone.
  • The numbers sampled in this planner are hypothetical and are not real. Remember to add in your own spending and the formulas will calculate to the best of their abilities to establish a budget. If the formulas are not working or you're getting an error, please email us at
  • Any brands/products/names mentioned in our workbook are for informational purposes only and do not imply or constitute any official endorsement of any third party’s products or services.
  • Do not rely solely on The HSR 50-20-20-10 Method for life or financial advice or recommendations. Absolutely none of the suggestions are to be considered legal, investment, or tax advice. We are not a financial advisory company. Please remember this and check in with an IRL financial advisor if you feel you need to. Remember that investing is never without risk! It's true what they say, the best investment you could make, is in yourself.
  • This product is designed for use exclusively with Google Sheets.
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