FREE Today $0.00 — the full VPN Money System sells for $27 · this starter kit is on me.
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The VPN Money Cheat Sheet on a phone, next to a passport and coffee
Free starter kit · Instant download

I pay $1.50 a month for YouTube Premium. Here's every price I pay.

The free VPN Money Cheat Sheet — what 12 subscriptions really cost in the cheapest countries, the exact steps to switch, and the calculator that shows your yearly savings in 2 minutes.

$0.00 FREE The full system is $27 —
this kit is genuinely free.

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Instant deliveryStraight to your inbox
No card requiredFree means free
Verified monthlyPrices re-checked by me
30-day guaranteeOn every paid tool
The ledger · Sep 2026

Same apps. Same logins. Different price tag.

US list price → what I actually pay, every month.

Two phones side by side: you pay $12.99, I pay $2 for the same Spotify Premium
YouTube PremiumIndividual
$13.99→$1.50India
SAVE $150/YR
Spotify PremiumIndividual
$12.99→$2.00Turkey
SAVE $132/YR
Netflix Standard1080p · No ads
$17.99→$4.50Turkey
SAVE $162/YR
9 more services inside the free sheet

Prices verified by me, monthly. What worked in 2024 gets cards declined in 2026 — the sheet tracks what still works this month.

The Nomad Ledger savings calculator
What's inside · PDF + Calculator

Three things. Zero dollars.

✓

The full price table — YouTube, Netflix, Spotify, Adobe & 8 more: US price vs. cheapest country12 services · verified monthly

✓

Step-by-step setup for each service — which VPN country, what to click, and the virtual-card fix when checkout declines your cardThe part YouTube tutorials skip

✓

The savings calculator — toggle your subscriptions, see your real yearly number in 2 minutesMy number: $384/yr

How it works

Ten minutes, then it just saves.

1

Get the kit

Pop your email in above — the Cheat Sheet PDF and calculator link land in your inbox instantly.

2

Pick your subscriptions

Find the services you already pay for in the table and note their cheapest country this month.

3

Follow the steps

Each service gets a short walkthrough — VPN country, checkout clicks, and the card fix if you're declined.

Working from a sunny balcony cafe above a tropical beach town

The whole point: work from anywhere — and stop overpaying for the apps that come with you.

Why trust a free PDF

Because I run my own money through it.

Verified monthly

Prices and working methods are re-tested every month. Dead tricks get removed, not left to rot.

I use it myself

My own stack went from $38.47/mo to $6.37/mo. The sheet is literally my personal setup, written down.

30-day guarantee

Every paid tool in the store carries a no-questions 30-day money-back guarantee.

Secure checkout

Paid orders are processed by Stripe and Gumroad. I never see or store your card details.

J

I'm Jihed. Three years ago I was paying full US prices on a Tunisian graduate budget. Today my whole subscription stack costs me $6.37/month — the difference funds my flights. I test these prices every month so you don't have to.

Jihed · Nomad Ledger

Common questions

Fair questions, straight answers.

What exactly do I get for free?
The VPN Money Cheat Sheet PDF — 12 subscriptions with their cheapest-country prices and setup steps — plus access to the live savings calculator. Both free, delivered by email. No card, no trial, no subscription.
Is this legal?
Using a VPN is legal in most countries, and changing which regional store you subscribe through is a common practice. That said, some services restrict it in their terms — you're responsible for complying with each service's own terms of use. This is one person's documented setup, shared as information, not legal or financial advice.
Do I need to buy anything to make this work?
The kit itself is free. The method assumes a VPN subscription (usually $2–3/month) — the sheet includes the picks I'd use. Even counting the VPN cost, most people come out far ahead; the calculator shows your net number after that cost.
Will this work with my existing accounts?
It depends on the service. Some let you switch regions on your current account; others work best with a fresh account or a virtual card at checkout. The sheet flags which is which for all 12 services so there are no surprises.
How is the kit delivered?
Instantly by email after you confirm. If it hasn't arrived within a few minutes, check spam or promotions — or email me and I'll sort it out.
What's the catch? What's the paid stuff?
No catch — the kit is complete on its own. The store sells the deeper toolbox (the full VPN Money System, lock-screen cards, a live price database, and the Vault bundle) for people who want everything done-for-them. Every paid product has a 30-day money-back guarantee.

Stop donating to full price.

Grab the free Cheat Sheet + calculator and see your own yearly number in the next two minutes.

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