A calm guide to your money
Welcome — let's get your money working for you.
A calm, clear system for taking control of your money. Set up your planner, sort your accounts, plan your debt, and watch your money start to run itself.
Level 1
The Foundations
1
Understanding the full picture
Map out your accounts, debts, savings and credit so you know exactly where you stand today.
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2
Make a plan
Why a budget is the engine of everything else — debt freedom, investing, and still enjoying life.
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3
Making a budget
List your income and where every pound goes, then sort it into the categories that drive the planner.
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Debts
Every debt in one place — listed in snowball order. Move them around with the handle, edit any field. The summary updates live.
Tracking
Twelve months of focused work. Each one a small step. Build the habit, refine the system.
Monthly planner
Allocate every pound. Your zero-based balance must reach £0.
Income
Summary
Zero-based balance
This should always equal £0 — every pound allocated.
£0
Manage locations
Records
Your actual spending each month, synced from the monthly planner. Zero-based balance should stay at £0.
Categories are automatically pulled from your Monthly Planner. Add or remove rows there to keep them in sync.