Money map

This check-in

Checked on

Next check-in

Net worth: own against owe

Net worth, a column a month

Debt left, rung by rung

Savings, jar by jar

Money map

Account map

The map

Drawn on

Accounts in all

Where the money lives

Net worth on this map

Owned

Owed

Net worth

Accounts to open or close

Changed since the last map

Account map

Account directory

The list

Updated

Accounts in all

Every account

AccountHeld atOwn or oweUsed forPapers kept

Where the paperwork lives

Who else should know

Account directory

Money health check

The check

Checked on

Next check

Six vital signs, coloured in

Savings rate

0%50%100%

Emergency cover

0%50%100%

Debt against income

0%50%100%

Credit in use

0%50%100%

Spending to plan

0%50%100%

Net worth growth

0%50%100%

The numbers behind them

SignNowAimNext move

Signs in good shape

THIS CHECK

LAST CHECK

BEST SO FAR

AIM FOR NEXT

SIGNS TO LIFT

Needs the most care

Money health check

Money dates

The span

From

To

Fourteen months of money dates

MonthPaydaysBig billsRenewalsCheck-in

Rates and deals that end

Tax and paperwork dates

Money dates

Money rhythm

My money date

Day of the month

Time

Where

The month, in order

1

Plan the monthtime

2

Paydaytime

3

Bills outtime

4

Weekly checktime

5

Mid-month looktime

6

Month-end closetime

Set to run on its own

Who does which job

JobWho

Money rhythm

Money admin

The month

Month

Quarter

This month

This quarter

Renewals and expiries

WhatWhen

Money admin

Zero-based budget

The pay

Month

Money coming in

Left to assign

Every job the money has

JobPlannedSentTo account

Where it lands

Bills

Spending

Jars

Debts

Assigned so far

Of the pay

0%50%100%

Down to zero

YesNearlyNot yet

Zero-based budget

50/30/20 split

The pay

Month

Take-home pay

How it actually split

Needs, aim 50%

0%50%100%

Wants, aim 30%

0%50%100%

Savings and debt, aim 20%

0%50%100%

Needs

WhatPlannedSpent

Wants

WhatPlannedSpent

Savings and debt

Jar or debtPlannedSent

50/30/20 split

Payday flow

Payday

Pay date

Amount in

Lands in

The transfers, in order

No.FromToAmountDaySent

123456789101112

Left in the landing account

After bills

0%50%100%

After transfers

0%50%100%

Set up to run on its own

To move by hand

Payday flow

Spending log

The month

Month

Budget

Spent so far

Every spend, and what paid for it

DateWhatCategoryPaid withAmount

Of the month's budget

Spent

0%50%100%

Worth it

MostlySomeNot really

Paid mostly with

DebitCreditCash

Spending log

Cash envelopes

This round

Payday

Cash drawn

The envelopes

Groceries

Fuel

Eating out

Fun

Gifts

Buffer

In and out

DateEnvelopeInOutLeft

Envelope rules

When one runs dry

Cash envelopes

No-spend month

The challenge

Month

The rules

Allowed anyway

Free things done instead

What I wanted, and let go

No-spend days

12345678910111213141516171819202122232425262728293031TOTAL

My rules

What it saved

THE GOAL

EACH COIN IS WORTH

COINS SO FAR

Nearly slipped when

How it went

EasyWobblyHard

No-spend month

Holiday season money

The season

Season

Budget

Spent so far

Who and what

Who or whatBudgetSpentPaid withBought

The season's pots

Gifts

Food

Travel

Hosting

Next year's fund starts

Before it goes on a card

Holiday season money

Bills by payday

The month

Month

First payday

Second payday

The first pay covers

BillDueAmountPaid

First pay, covered

Of its bills

0%50%100%

If this pay runs short

The second pay covers

BillDueAmountPaid

Second pay, covered

Of its bills

0%50%100%

Moved to the next pay

Bills by payday

Bills by account

The month

Month

Bills in all

Paid so far

Every bill and the account it comes from

BillDayAmountPaid fromAutoPaid

What each account must hold

Main

Joint

Bills

Card

Covered before each week's bills

Week 1

0%50%100%

Week 2

0%50%100%

Week 3

0%50%100%

Week 4

0%50%100%

Week 5

0%50%100%

Bills by account

Bills, month by month

The year

Year

Bills in all

Total a month

Every bill, a tick a month

BillDueAmountJFMAMJJASOND

Subscriptions

ServiceRenewsCost

Patterns I noticed

Bills, month by month

Once-a-year bills

The year

Year from

Set aside each month

The yearly bills, spread thin

BillDueAmountA monthHeld in

Put away, month by month

JFMAMJJASOND

Once-a-year bills

Subscription audit

The audit

Done on

Paying a month

Paying a year

Every subscription

ServiceA monthA yearPaid fromLast used

Keep, pause or cancel

KeepPauseCancel

Saved by cancelling

THE GOAL

EACH COIN IS WORTH

COINS SO FAR

Subscription audit

Bill cutter

The round

Started

Saved a year so far

Bills to shop around

BillPaying nowBest quoteSaves a yearSwitched

How each call went

LoweredSwitchedWaitingNo luck

Before I call

What I said that worked

Where the savings go

Bill cutter

Six savings jars

The jars

Started

Saved in all

A coin for every deposit

Coins in

DateJarAmountFrom account

Six savings jars

Sinking fund tracker

The funds

Month

Set aside this month

Held in

Every fund

FundTargetNeeded byA monthSavedTo go

Ten steps to full, a row a fund

Sinking fund tracker

Savings account ledger

The account

Account

Held at

Interest rate

Every movement

DateWhatInOutInterestHolds

Towards its target

This account

0%50%100%

How quickly I can reach it

Same day1-3 daysA weekNoticeLocked

Rate changes and notes

Savings account ledger

Emergency cushion

The cushion

Started

Full by

Last checked

Months of cover

TARGET MONTHS

COVERED NOW

ONE MONTH COSTS

MONTHS TO GO

TOP-UP A MONTH

NEXT TOP-UP

The cushion, coin by coin

Ten deposits to each month of cover

Every deposit

DateAmountFrom accountCushion now

Where the cushion is kept

AccountHolds

Emergency cushion

Savings rate

The span

Aiming to keep

Kept so far

Kept, a column a month

Month by month

MonthTake-homeKeptRate

What made the best month work

Savings rate

Found money

The month

Month

Found in all

Every bit found

DateFound fromAmountInto jar

Where it came from

Cashback

0%50%100%

Refunds

0%50%100%

Sold

0%50%100%

Round-ups

0%50%100%

Gifts

0%50%100%

The pile, growing

THE GOAL

EACH COIN IS WORTH

COINS SO FAR

More places to find it

Found money

Where savings earn most

The search

Searched on

Best rate found

Accounts compared

ProviderAccountRateAccessLimitProtected

Access each pot needs

Same dayA weekLocked for a term

When each rate ends

AccountRate endsMoved

Where savings earn most

Paid off, now saved

The rollover

Started

Freed each month so far

Payments set free

Debt clearedCleared onFreed a monthNow goes to

Where it rolls, a coin at a time

Rolled into

Savings

0%50%100%

The next debt

0%50%100%

The first thing it paid for

Paid off, now saved

52-week savings challenge

The challenge

Started

Weekly amount rule

Where the money came from

Fifty-two deposits

12345678910111213141516171819202122232425262728293031323334353637383940414243444546474849505152TOTAL

The pot, climbing

YEAR-END GOAL

SAVED SO FAR

STILL TO GO

WEEKS DONE

WEEKS BEHIND

CHECKED ON

Weeks to catch up

WeekAmountMade up on

Milestones to celebrate

52-week savings challenge

100-envelope challenge

The challenge

Started

Saving it for

Done in

Colour an envelope once its amount is in

123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899100

How far along

102030405060708090100

EACH STEP IS WORTH

THE GOAL

100-envelope challenge

Debt payoff ladder

The climb

Started

Extra each month

Debt-free by

The ladder, first rung at the bottom

The climb so far

Owed at the start

Cleared so far

Interest saved

Rungs cleared

What debt-free will change

Debt payoff ladder

Snowball or avalanche

The choice

Date

Extra each month

Going with

Snowball: smallest first

No.DebtOwed

12345678910111213141516

Snowball: first debt gone

By

Interest on the way

Avalanche: highest rate first

No.DebtRate

12345678910111213141516

Avalanche: first debt gone

By

Interest on the way

Snowball or avalanche

Snowball roll-up

The plan

Method

Extra to start with

Rung by rung

RungDebtMinimumRolled inNew paymentStarts

12345678

The roll-up, as steps

102030405060708090100

EACH STEP IS WORTH

THE GOAL

When a rung clears

The reward for each rung

Snowball roll-up

Debt ledger

The account

Debt

Lender

Rate

Every payment

DatePaidInterestOff what I oweStill owed

Paid off so far

STARTED AT

PAID OFF

OWED NOW

INTEREST SO FAR

CLEAR BY

Where the payments went

To interest

0%50%100%

Off what I owe

0%50%100%

Of the whole debt

0%50%100%

Calls, letters and rate changes

Debt ledger

What interest costs

The check

Checked on

Interest a month, all debts

Highest rate first

No.DebtRateOwedA monthA year

12345678

Share of each payment that is interest

Debt 1

0%50%100%

Debt 2

0%50%100%

Debt 3

0%50%100%

Debt 4

0%50%100%

Moves to make it cheaper

Ask for a lower rateMove the debtCombinePay extra

What I asked and what they said

What interest costs

Credit card use

The cards

Month

Total limit

Total in use

Every card

CardLimitOwedStatementDuePaid

Share of each limit in use

Card 1

0%50%100%

Card 2

0%50%100%

Card 3

0%50%100%

Card 4

0%50%100%

All cards

0%50%100%

Paid this month, card by card

In fullPartMinimum

Cards to close or cut up

Credit card use

Credit score

The score

Checked with

Starting score

Aiming for

The score, a column a month

What changed it

MonthScoreUp or down because

Kept up, month by month

1234567891011121314

Credit score

Debt left, month by month

The span

Owed at the start

Debt-free by

Owed, a column a month

Month by month

MonthPaidExtraClearedLeft

A quarter gone, half, three quarters, all

Debt left, month by month

Balance sheet

As of

Date

Last net worth

Change

What I own and what I owe

Moves before next time

Balance sheet

Net worth, month by month

The span

Net worth at the start

Aiming for by the end

Net worth, a column a month

Month by month

MonthOwnOweNet worthChange

The best month, and what made it

Net worth, month by month

What I own

The register

Updated

Owned in all

Every asset

AssetHeld atWorthCheckedCash within

The mix

Cash

0%50%100%

Invested

0%50%100%

Retirement

0%50%100%

Property

0%50%100%

Things

0%50%100%

How fast each could be cash

A dayA monthA yearLonger

What I own

What I owe

The register

Updated

Owed in all

Every debt

DebtOwed toRateLeftEnds

Owed against owned

OWED

OWNED

OWED AS A SHARE

AIMING FOR

CHECKED ON

Builds value or costs me

Builds valueCosts me

What I owe

Investments

The portfolio

Checked on

Put in so far

Worth now

Holdings

HoldingHeld atPut inWorth nowChange

Towards the goal

AIMING FOR

WORTH NOW

STILL TO GO

ADDING A MONTH

BY

Added each month

THE GOAL

EACH COIN IS WORTH

COINS SO FAR

Risk I can sit with

Where I am now12345678910

Where I want it12345678910

Next move on a holding

HoldAddSell

Investments

Retirement pots

The horizon

Retire at

Years to go

Pots in all

The pots

PotProviderFrom meFrom workWorth now

What that life costs a year

CostA year

The pot, climbing

TARGET

WHERE IT STANDS

STILL TO GO

ON TRACK BY

CHECKED ON

NEXT CHECK

Checked this year

Retirement pots

Home and car

The check

Valued on

Equity in all

Property and vehicles

WhatBought forWorth nowOwed on itMine

My share of each

Home

0%50%100%

Car

0%50%100%

Other property

0%50%100%

Other vehicle

0%50%100%

Equity, year by year

YearWorthMine

Where the values came from

WhatValued byOn

Upkeep that keeps the value

Home and car

Protect what you have built

The cover

Checked on

Next check

Insurance

PolicyInsurerCostRenews

Where the papers are

DocumentKept in

In place

Beneficiaries up to date

YesNot yet

Gaps to close

Protect what you have built

Net worth milestones

The climb

Started at

The next marker

Markers, dated when they land

No.MarkerAmountReached

123456789101112

Colour one in for each

How each was celebrated

Net worth milestones

Money goals for the year

The year

From

To

In one line

Two goals for each part of the map

PartThe goalTargetByTracked on

How far along

Save

0%50%100%

Clear

0%50%100%

Grow

0%50%100%

Protect

0%50%100%

Give

0%50%100%

First steps

Why these matter

Money goals for the year

Goals, costed

The plan

Made on

Monthly total

Goal by goal

GoalCostsByMonthsA monthJar

The goals, filling up

First goal to fund

A goal I am letting go of

Goals, costed

Freedom number

The number

A year of life costs

Multiplied by

My freedom number

A year of life, costed

CostA monthA year

How far along

THE NUMBER

SAVED SO FAR

STILL TO GO

ADDING A YEAR

FREE BY

CHECKED ON

The pot, year by year

YearPut inWorth

What freedom would be for

Steps towards it

Freedom number

Giving

The year

Year

Giving goal

Share of income

Given

DateToAmountHow

The giving jar

TARGET

SAVED SO FAR

STILL TO GO

Given of the plan

This month

0%50%100%

This year

0%50%100%

Causes close to me

Giving

Life after debt

The picture

Debt-free by

The first thing I will do

What it looks like

When the last debt goes

What I will say yes to

What I will never go back to

Life after debt

My money rules

The rules

Written on

Signed

Rules I live by

Before I buy anything over

This amount

I wait this long

The rule I broke, and why

Rules kept this week

MTWTFSS

A new rule to try

My money rules

Five-year money plan

The span

Starting

Ending

The headline

Year by year

YearGoalMilestonesDone

Years won

Halfway there

GOALS SET

GOALS REACHED

HALFWAY BY

STILL TO GO

LAST CHECK

NEXT CHECK

What has to be true first

Five-year money plan

Long-term money goals

Written

Written on

Reviewed on

In one year

In three years

In five years

In ten years

How close each one is

1 year

0%50%100%

3 years

0%50%100%

5 years

0%50%100%

10 years

0%50%100%

Markers

Why this matters

First steps this week

Long-term money goals

Weekly money date

The date

Week of

Date and time

Accounts glanced at

AccountHoldsLooks right

Bills in the week ahead

BillDayAmountCovered

Spent this week, day by day

M

T

W

T

F

S

How money feels this week

Moved this week

Into a jar

Onto a rung

Notes from the date

Weekly money date

Month-end close

The close

Month

Closed on

The close, in order

1

Check each accounttime

2

Update the balance sheettime

3

Colour the jarstime

4

Climb the laddertime

5

File the statementstime

The month moved

Net worth

0%50%100%

Jars

0%50%100%

Debt cleared

0%50%100%

Every account, checked

AccountLast monthThis monthChangeMatches

One thing to change next month

Month-end close

Spending audit

The audit

Period

Total spent

By category

CategoryPlannedSpentVerdict

Spent against the plan

THE BUDGET

SPENT

LEFT

Money well spent

Found money, coin by coin

Spending audit

Quarter review

The quarter

Quarter

Net worth then

Net worth now

The quarter's numbers

MeasureStartEndChange

How it felt

Spending12345678910

Saving12345678910

Paying down12345678910

Peace of mind12345678910

The quarter in a sentence

What grew

What shrank

Moves for next quarter

Quarter review

Money wins

The wins

Started

Wins so far

Every win, however small

DateThe winWorth

A leaf a win

EACH LEAF IS WORTH

THE TREE IN FULL

Proof I can do this

Money wins

Year-end statement

The span

From

To

The year in one line

Start against end

LineStartEndChange

Debts cleared

Jars filled

Proudest of

Next year's first moves

Year-end statement

Money mindset

Today

Date

Money feels

What I learned about money growing up

What I believe about money now

Out of ten

Calm about money12345678910

Sure of my choices12345678910

Hopeful12345678910

The old rule I am dropping

The new rule I choose

Money mindset

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