Income โ Expenses โ Savings = $0.00 โ That's the whole system.
๐ฐ TOTAL INCOME โ ๐ TOTAL EXPENSES โ ๐ฆ SAVINGS = $0.00
๐ต Income (Monthly)
Salary / Wages (after tax)$ ____,____
Side Hustle / Freelance$ ____,____
Passive / Investments$ ____,____
Other Income$ ____,____
๐ฐ Total Income$ 0.00
๐ Fixed Expenses
Rent / Mortgage$ ____,____
Electricity / Gas / Water$ ____,____
Internet & Phone$ ____,____
Insurance (health, car, rent)$ ____,____
Loan / Credit Card Minimums$ ____,____
Subscriptions (Netflix, gymโฆ)$ ____,____
๐ Fixed Total$ 0.00
๐ Variable Expenses
Groceries$ ____,____
Dining Out / Takeout$ ____,____
Transport / Gas / Tolls$ ____,____
Shopping / Personal Care$ ____,____
Entertainment / Hobbies$ ____,____
Healthcare / Medications$ ____,____
๐ Variable Total$ 0.00
๐ฆ Savings & Goals
Emergency Fund$ ____,____
Retirement (IRA/401k)$ ____,____
Travel / Big Purchase$ ____,____
Debt Snowball (extra)$ ____,____
๐ Savings Total$ 0.00
1 Assign every dollar โ If income is $4,200 and expenses + savings = $4,150, assign that extra $50 somewhere (coffee fund? extra debt payment?). Zero balance.
2 Savings are a line item โ Pay yourself first. Savings isn't "whatever is left." It's a fixed assignment.
3 Roll with the punches โ Overspent on groceries? Move $20 from "dining out." No guilt, just reassign.
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