Workbook: your money, your plan
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This is a learning tool, not a professional assessment.
1. Start where you are
2. Money coming in
Add each source. If it varies, say so and add the lowest recent amount.
3. Money going out
Essential = needed to live and work. Flexible = can change. Irregular = comes up now and then. Discretionary = extras.
4. Savings and what you have
5. What you owe
If this feels heavy, take a breath. Listing is a step forward. If you may lose housing or essentials, or have a legal notice, see get help first.
6. Goals and upcoming costs
7. What it shows
These are observations from your own numbers, not instructions.
Fill in a few lines above and this will update.
8. Your plan
Choose one to three small actions. Write them in your own words.
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