The Money Compass app

1. 1 · See the picture

   Before anything changes, get the whole month on one page. No judgement, just facts.

   • Print the payday planner and bill checklist.
   • Write down every bill, the amount and the day it leaves.
   • Note last month's total income.

   Open the free worksheets

2. 2 · Build the budget

   Four short steps instead of a blank spreadsheet, ending with a plain answer on what's left.

   • Enter your paycheck and how often it arrives.
   • Add every bill from your list.
   • Set one savings goal and a timeframe.

   Open Budget Quest

3. 3 · Find the leaks

   Most months hide two or three charges nobody remembers agreeing to.

   • List every subscription and app charge.
   • Cancel or pause anything you didn't use last month.
   • Check for duplicate insurance, storage or streaming.

   Subscription & spending trackers

4. 4 · Start the cushion

   A small starter cushion stops the next surprise from becoming new debt.

   • Pick a first target you believe in — even $250.
   • Choose the day money moves across, right after payday.
   • Keep it somewhere separate from spending money.

   Savings trackers & printables

5. 5 · Work the debt

   One payoff order, written down, beats paying a little at everything.

   • List each balance, rate and minimum payment.
   • Choose one to overpay while the rest get minimums.
   • Mark progress somewhere you'll see it.

   Read the plain-English write-ups

6. 6 · Keep it going

   Twenty minutes a month is the whole maintenance plan.

   • Book a monthly money check-in with yourself.
   • Update the bill list when anything changes.
   • Pick your next goal before the last one lands.

   The money workbooks

Start the path over