# 4 tools or one bundle — wedgemethoddev/4hgi shape (By the Loop clone)

Clone of [By the Loop's Freelance Finance OS ($5)](https://bytheloop.gumroad.com/l/freelance-finance-os). Buyer-channel shape: [wedgemethoddev/4hgi](https://dev.to/wedgemethoddev/how-to-turn-your-expertise-into-digital-templates-that-sell-4hgi).

## The four freelancer pains (individual SKUs)

| Tool | Typical à la carte | 2 AM question |
|------|-------------------|---------------|
| Invoice tracker | $12–29/mo bookkeeping add-on | Did that client ever pay me? |
| Expense + tax buffer | $9–15/mo category app | How much should I keep for taxes? |
| Rate calculator | $5–15 one-off spreadsheet | Am I even charging enough? |
| Quarterly tax estimator | $10–20 tax prep lite | What do I send each quarter? |

**À la carte floor:** ~$36–79/year across separate tools — plus setup time for each blank page.

## By the Loop bundle ($5)

[By the Loop on Gumroad](https://bytheloop.gumroad.com/l/freelance-finance-os) ships all four as **4 xlsx + 1 PDF** for **$5 one-time**. Same tabs in every file: yellow cells = yours, everything else calculates.

[wedgemethoddev/4hgi](https://dev.to/wedgemethoddev/how-to-turn-your-expertise-into-digital-templates-that-sell-4hgi) bundle playbook:

1. Ship one working template first — invoice tracker alone
2. Format consistently — same legend, same dashboard shape
3. Add adjacent pains — expense buffer, rate floor, quarterly deadlines
4. Bundle at perceived-value gap — $5 beats four separate subscriptions
5. Only then experiment — cross-sell other shop SKUs after first sale

## Free CLI preview

```bash
python3 freelance_finance_os.py invoice-log-sample.csv expense-log-sample.csv
```

Look for `BUNDLE STRATEGY` in stdout — à la carte vs bundle math for the four modules.

## Paid kit

Full four-tool bundle: [Freelance Finance OS landing](https://ytinumoc.github.io/toolkitlabs-invoice/freelance-finance-os/) · EUR 9 one-time · same delivery shape as [By the Loop on Gumroad ($5)](https://bytheloop.gumroad.com/l/freelance-finance-os).