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Worksheet #1 — Complete on Day 1
My Money Snapshot Sheet
Fill this in completely and honestly. No judgment. Just data. This is your starting point.
Date Completed
Month
Year
💰 My Monthly Income
Income SourceMonthly Amount
Main job / salary$
Side income$
Other income$
TOTAL MONTHLY INCOME$
💸 My Spending Last Month
CategoryAmount Spent
Rent / Housing$
Groceries$
Transport$
Utilities & Bills$
Subscriptions$
Eating Out$
Shopping$
Entertainment$
Other$
TOTAL MONTHLY SPENDING$
🎯 My Starting Number
Total Income $
Total Spending $
Income − Spending = MY NUMBER $
Positive
Spending less than I earn
Zero
Every dollar leaves
Negative
Spending more than I earn
🏦 My Current Balances
AccountCurrent Balance
Main bank account$
Savings account$
Total debt owed$
Amount saved last month$
✍️ Reflection
My Biggest Spending Category This Month
One Thing I Will Change Starting Today
"The goal right now is not to feel good about your numbers. The goal is simply to know them. That alone puts you ahead of most people your age."
%
Worksheet #2 — Complete on Day 3
My Monthly Budget Template
Assign every dollar a home before the month begins. Fill in Budgeted column at start of month. Fill Actual at end.
Month
Year
Monthly Income After Tax
$
🏠 Needs — Target 70%
CategoryBudgetedActual
Rent / Housing$$
Groceries$$
Transport$$
Utilities & Bills$$
Phone$$
Other Need$$
TOTAL NEEDS$$
🎉 Wants — Target 20%
CategoryBudgetedActual
Eating Out$$
Entertainment$$
Shopping$$
Subscriptions$$
Other Want$$
TOTAL WANTS$$
💚 Savings & Debt — Target 10%
CategoryBudgetedActual
Savings (pay this first!)$$
Debt Repayment$$
TOTAL SAVED$$
Total Allocated (should equal income) $
✍️ End of Month Reflection
What went well this month?
What will I adjust next month?
"A real imperfect budget beats a perfect imaginary one every time."
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Worksheet #3 — Complete Days 6–12
My 7-Day Spending Detox Tracker
Write down every single purchase for 7 days — no matter how small. P = planned, U = unplanned.
📅 Daily Spending Log
Mark each purchase: P = Planned U = Unplanned
DAY 1
Daily Total: $
$
$
$
DAY 2
Daily Total: $
$
$
$
DAY 3
Daily Total: $
$
$
DAY 4
Daily Total: $
$
$
DAY 5
Daily Total: $
$
$
DAY 6
Daily Total: $
$
$
DAY 7
Daily Total: $
$
$
📊 7-Day Summary
7-Day Grand Total
Total Unplanned Spending
Money Redirected to Savings
Biggest Surprise Category
✍️ Reflection
My Biggest Surprise This Week
"That money doesn't disappear — it moves to your savings column."
↑
Worksheet #4 — Update Monthly
My Savings Tracker
Update this every month. Watch your number grow. This is proof that you are changing.
⚙️ My Savings Setup
My Savings Goal for Month 1$
My Automatic Transfer Amount$
My Automatic Transfer Date
My Savings Account Name / Bank
📈 Monthly Savings Log
MonthStarting BalanceSavedEnding BalanceGoal?
Month 1$$$
Month 2$$$
Month 3$$$
Month 4$$$
Month 5$$$
Month 6$$$
💼 My Side Income
My Chosen Side Income Idea
One Action I Took This Week
🏆 Savings Milestones
$50
First $50 Saved
$100
First $100 Saved
$250
First $250 Saved
$500
First $500 Saved
$1K
First $1,000 Saved
$2K
First $2,000 Saved
💭 How I Feel This Month
Behind — but I know why and have a plan
On track — steady progress this month
Ahead — I saved more than planned!
"Automate the good decision once so you never have to make it again."
✕
Worksheet #5 — Complete on Day 4
My Debt Hit List
Write every debt you carry. Choose your method. Number them in order. Cross each one off as you defeat it.
⚔️ My Repayment Method
Snowball
Smallest Balance First
Best for motivation. Quick wins keep you going.
Avalanche
Highest Interest First
Saves most money over time. Best if you're disciplined.
🎯 My Debt Hit List
#Debt NameBalanceRate %Min. PayTarget Date
1$$
2$$
3$$
4$$
5$$
6$$
📊 Totals
Total Debt Today
Total Min. Payments / Month
My Current Target Debt Number #
📅 Monthly Debt Progress Log
MonthTarget Debt BalanceExtra PaymentNew Balance
Month 1$$$
Month 2$$$
Month 3$$$
Month 4$$$
Month 5$$$
Month 6$$$
🏆 Debts Defeated — Cross These Off
Freed: $
Freed: $
Freed: $
🎉 The Day I Became Debt Free
"That day is coming. Keep going."