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Your Rustic Compass Starter Kit
Five worksheets to help you get organized and pick a direction. Print the whole kit or just the sheet you need today.
Tip: choose "Save as PDF" in the print dialog to keep a digital copy.
Fill this in the day the money lands, before anything is spent.
- Pay date
- Amount received
- Bills due before next payday
- Groceries & fuel
- Debt payment
- Savings / sinking fund
- What's actually left
- One thing I will not buy this week
If the last line is negative, the problem is timing, not willpower. Move one bill.
One line per bill. Tick it the day it clears, not the day you mean to pay it.
- Housing / rent / mortgage
- Electric
- Gas / heating
- Water & trash
- Phone
- Internet
- Insurance
- Car / transport
- Subscriptions (list them all)
- Debt minimums
Total this column, then divide by paychecks per month. That's your bill share per payday.
Four honest answers beat four months of scrolling.
- The thing that's stressing me most right now
- What I want to be true in 90 days
- What I already know how to do
- One hour a week I can protect
- The very next small step
Pick the smallest next step you could finish this week. That's the direction.
Write the idea down before you spend a dollar on it.
- What I'd sell
- Who it's for (be specific)
- The problem it solves
- What I'd charge
- Where those people already hang out
- What I can make this month with what I have
If you can't name the person who'd pay, that's the next thing to work out — not a logo.
A short, repeatable loop. Same day each week.
- Kitchen reset
- Laundry to done
- Papers, mail & school notes
- Meals planned for the week
- One 15-minute clutter zone
- Check bank balance & upcoming bills
- Calendar for the week ahead
- One thing just for me
Miss a week? Start again on the same day. The rhythm matters more than the streak.
Take the two-minute quiz and we'll point you at the right compass, or walk the money path from free to finished.