✦ S t a t e o f H a r m o n i · unapologetic wealth ✦
Know Your
Numbers
The Beginner's Guide to Financial Clarity
Because you were never bad at money. You were just never taught
how to read it. That changes today, with zero shame, zero jargon, and zero
judgment about where you're starting from.
$39
Standalone Guide
One-time purchase
or
FREE
Inside U.N.T.A.M.E.D
From $19/month
Tell me if this sounds familiar
She's smart. She's capable.
Nobody ever actually taught her this.
Here's the thing nobody wants to say out loud. Financial confidence was kept out of
reach for most of us, not by accident, because people who understand their money
are a lot harder to keep in a hamster wheel. They make their own decisions. They build
their own lives. They stop doing what they're told just because they don't know they have
options. And that is exactly why we are here.
💸
You avoid your accounts
Not because you're irresponsible. Because looking at them has never felt safe. That is not a character flaw. That is your nervous system doing exactly what it was trained to do.
😶
The questions feel too basic to ask
You feel like you should already know this. So you stay quiet. The embarrassment compounds. The confusion grows. And you stay exactly where you are.
🔄
Busy but not building
You feel like you should already know this. So you stay quiet. The embarrassment compounds. The confusion grows. And you stay exactly where you are.
💡
You want more, but don't know where to start
Real financial confidence. Real choices. A life that you designed instead of one you ended up in. You know it's possible. You just need a starting point that doesn't make you feel small.
The system was not built for women.
So we built our own.
The guide that changes everything
Know Your
Numbers
The Beginner's Guide to Financial Clarity
45 pages. 8 chapters. Written in actual plain English. No jargon, no judgment, no
assumptions about what you should already know. This is the financial education you were
supposed to get growing up, and didn't. It covers everything from your income and
expenses to your assets, liabilities, net worth, cashflow, money rituals, and a 30-day challenge
to lock it all in.
It is not a course you will download and forget. It is a conversation with the most financially clear version
of yourself. And it starts the moment you open it.
Inside the guide
8 chapters that give you back
what the system took
Intro
Why Knowing Your Numbers Changes Everything
Most of us were taught to stretch money, not grow it. To save not invest. To hope for security, not create it. This chapter names the system. And then we move past it.
01
What "Knowing Your Numbers" Really Means
Five foundational questions. Your exact monthly income. Your real expenses. What you own. What you owe. And your net worth. Not approximate. Actual. This is financial self-awareness.
The SOH Five Questions
02
The Emotional Side of Money
Money is almost never a maths problem. It is almost always an emotional one. Fear. Shame. Guilt. Overload. This chapter names all of it and gives you the tools to actually move through it.
Mindset + Emotional Safety
03
Your Financial Snapshot The SOH Method
A one-page overview of your entire financial life. Income, expenses, assets, liabilities, net worth, all in one place, simply and clearly. This is your starting point for everything.
The SOH Method
04
The Cashflow Confidence Formula
Income minus expenses equals cashflow margin. That margin is what builds your wealth, or keeps you stuck. This chapter breaks it down in language that actually makes sense.
Income – Expenses = Power
05
The Money Ritual Daily, Weekly, Monthly
Financial clarity is not a one-time event. It is a practice. 2 minutes a day. 10 minutes a week. 30 minutes a month. Simple, sustainable, and completely doable.
Your Ritual System
06
Your First Wealth Moves
Build a safety buffer. Create a spending plan that empowers instead of restricts. Clean up debt with strategy. Begin micro-investing from as little as a dollar a week. Review your superannuation. Real moves. Starting now.
Action + Strategy
07
Wealth Mindset Rewiring
The belief that you are not good with money is not a fact. It is a pattern. And patterns can be changed at any age. This chapter rewrites the ones that have been keeping you small.
Identity Reframe
08
Your 30-Day Know Your Numbers Challenge
Week 1: Track every expense. Week 2: Build your Financial Snapshot. Week 3: Implement your Money Rituals. Week 4: Make one intentional wealth move. Clarity becomes a way of life.
30-Day Action Plan
✦ Exclusive Bonus Included
Unapologetic Wealth
Affirmations
Daily declarations for the woman who is building. Words are not fluff, they are
literally instructions to your nervous system and your identity. Read these daily. Say
them out loud. Mean them even before they feel completely true. Especially before.
"
I am safe to look at my money. Clarity is not a
threat, it is freedom.a
"
I am building wealth, intentionally,
unapologetically, and on my own terms.
"
I was never taught this, and that is not my
fault. But now I am learning, and that is my
power.
"
I am not behind. I am exactly where I need to be
to begin. And beginning is everything.
"
I release shame about money. Shame keeps me
small. Clarity sets me free.
"
I am the financial leader of my own life. Nobody
else holds that role.
"The woman you are becoming already believes these things. Let her lead."
Ready to go deeper?
U .
N .
T .
A .
M .
E .
D
The Monthly Membership for Women Building Sovereign Wealth
U
Unapologetic
N
Nervous System
Regulated
T
Thriving
A
Abundant
M
Magnetic
E
Empowered
D
Divine
Feminine
The guide is your beginning. The membership is your movement. A monthly home to
come back to, live sessions with Krissy, education that compounds, and a community
of women who genuinely get it.
U.N.T.A.M.E.D
Reign
The foundation of sovereignty
$19
/month AUD · cancel anytime
✦ Monthly Know Your Numbers Ritual, live online with
Krissy every month
✦ Access to the U.N.T.A.M.E.D online community
✦ 50% off the Know Your Numbers Financial Clarity
Guide
✦ Ongoing financial education and money literacy content
✦ Replay access to all sessions
✦ No lock-in contract, cancel any time
U.N.T.A.M.E.D
Unleashed
The full sovereign experience
$39
/month AUD · cancel anytime
✦ Everything in Reign, fully included
✦ Know Your Numbers guide, included free
($39 value)
✦ Monthly Live Masterclasses with Krissy, included
free
✦ Full U.N.T.A.M.E.D community access
✦ Replay access to all sessions and masterclasses
✦ No lock-in contract, cancel any time
Choose your path in
Start with the guide.
Stay for the movement.
Three ways in. One destination: financial sovereignty.
Digital Guide Only
Know Your
Numbers
The starting point
$39
one-time purchase · instant
download
✦ 23-page premium digital guide
✦ All 8 chapters of financial clarity
✦ The SOH Method + Cashflow
Formula
✦ 30-Day Challenge + Money Rituals
✦ Bonus: Unapologetic Wealth
Affirmations
Most Popular
U.N.T.A.M.E.D · Tier 1
Reign
Foundation of sovereignty
$19
/month AUD · cancel anytime
✦ Monthly Know Your Numbers Ritual, live with Krissy
✦ U.N.T.A.M.E.D online community
access
✦ 50% off the Know Your Numbers
guide
✦ Replay access to all sessions
U.N.T.A.M.E.D · Tier 2
Unleashed
The full experience
$39
/month AUD · cancel anytime
✦ Everything in Reign, fully included
✦ Know Your Numbers guide free
✦ Monthly Live Masterclasses free
✦ Replay access to everything
Founded by
Krissy Snowball
The woman behind the movement
Krissy
Snowball
Founder · State of Harmoni
"Knowing your numbers brings clarity. And from clarity you build a life on your terms, not one somebody else designed for you."
Serial entrepreneur since 22. Accounting degree from Monash University. She built a bookkeeping business that earned her more in four days than she ever made at a full-time accounting firm. She co-built Zubar, an
iconic Melbourne nightclub, from a loss-making venue into a 7-figure business over 20 years, starting on three nights a week and tapering down to Saturday nights only for the back half of that run, while homeschooling her son and running her bookkeeping business during the week. Sold Zubar in January 2025.
She is not a financial adviser. She is the bridge, making financial concepts genuinely accessible to every woman who was told this wasn't for her.
Women who took the first step
What clarity actually feels like
"★★★★★
"I've been avoiding my finances for years. Not because I'm bad with money because nobody ever made it feel safe to look. Krissy made it feel safe. I cried reading this guide. Actual tears."
Individual · Melbourne
"★★★★★
"The Monthly Money Ritual is the one thing in my calendar I actually look forward to every month. I finally understand my own money. That is not nothing. That is everything."
U.N.T.A.M.E.D Reign Member · Sydney
"★★★★★
"I used to close my banking app before it even loaded. Now I look at my numbers every week. The affirmations shifted something in me I didn't even know needed shifting."
U.N.T.A.M.E.D Unleashed Member · Brisbane
Questions answered
What is the difference between the guide and the Monthly Money Ritual?
The Know Your Numbers guide is a 23-page digital download, a resource you read and work through at your own pace. The Monthly Know Your Numbers Ritual is a live monthly session with Krissy where you go through your numbers together in real time. The Ritual is a paid membership exclusive, it lives inside U.N.T.A.M.E.D and is not available as a standalone or free offering.
Is the guide included in the membership?
In U.N.T.A.M.E.D Unleashed ($39/month) yes, the guide is included free. In U.N.T.A.M.E.D Reign ($19/month) you receive 50% off the guide. If you've already purchased the guide separately and then join a membership, you will not be charged for it again.
Is this for people with no financial knowledge at all?
Yes, this is exactly for you. The guide and the membership were designed for the woman who has been quietly carrying the weight of not understanding her finances, not because she's incapable but because nobody ever taught her properly. No prior knowledge required. Zero judgment. You begin exactly where you are.
Is this financial advice?
No. State of Harmoni provides financial education and general information only. Krissy is not a registered financial adviser. Nothing in the guide or membership constitutes financial, tax, or legal advice. We always encourage working with qualified professionals for your specific situation. What we provide is clarity — so when you do talk to professionals, you actually understand what they're saying.
Can I cancel my membership at any time?
Yes. Both tiers are month-to-month with no lock-in contracts. Cancel any time and retain access until the end of your billing period. We believe in earning your membership every single month.
Can I upgrade from Reign to Unleashed?
Absolutely. Many members start with Reign and upgrade when they're ready for the full experience. Send a DM to @state_of_harmoni on Instagram and we will take care of everything.
✦ Begin here ✦
You don't have to
figure
this out alone.
Financial confidence changes everything, your home, your choices, your energy, your
future, your sense of yourself. The support you've been quietly wishing you had exists. And
it was built for you.
State of Harmoni
Unapologetic Wealth · Feminine Leadership · Sovereign Success · @state_of_harmoni
State of Harmoni provides financial education and general information only. Nothing on this page constitutes financial,
legal, or tax advice. Always consult a qualified professional for advice specific to your circumstances. U.N.T.A.M.E.D is a
Wealth Pillar membership for individuals. © 2025 State of Harmoni · All Rights Reserved · stateofharmoni.com.au