Free printable
Your FUNDS Worksheet
Fill it in step order, the same way the chapter does, and switch on the filled-in example if you get stuck. Give Steps 1 through 4 a full afternoon. Every dollar of your take home pay gets a job, and the whole plan lands on zero.
In the print window, choose Save as PDF to keep a copy. It prints the version you see.
Your worksheet. Who you're becoming, and who you've been.
Step 1Who you're becoming
Give each goal a start and a goal date. Divide the price by the months in between, then by your paychecks in a month.
| In the next 12 months | Rough price | Start | Goal date | Months | Per month | Per paycheck |
|---|---|---|---|---|---|---|
| In the next 36 months | Rough price | Start | Goal date | Months | Per month | Per paycheck |
|---|---|---|---|---|---|---|
| Someday | Per month | Per paycheck | Fund |
|---|---|---|---|
| Investing | Stash, someday |
Step 2Who you've been
Pull your last three months. Sort every transaction into a line under its fund, add the lines up to each fund total, then average.
| Line | Month 1 | Month 2 | Month 3 | Average |
|---|---|---|---|---|
| Take home pay | ||||
| Fixed | ||||
| Rent | ||||
| Utilities | ||||
| Phone | ||||
| Internet | ||||
| Insurance | ||||
| Subscriptions | ||||
| Card minimums | ||||
| Loan payments | ||||
| Annuals ÷ 12 | ||||
| Fixed total | ||||
| Needs | ||||
| Groceries | ||||
| Gas and transit | ||||
| Pharmacy | ||||
| Household | ||||
| Pet | ||||
| Needs total | ||||
| Desires | ||||
| Eating out | ||||
| Coffee | ||||
| Clothes | ||||
| Beauty | ||||
| Online shopping | ||||
| Desires total | ||||
| Unexpected | ||||
| Stash, soon | ||||
| Goal | ||||
| Goal | ||||
| Goal | ||||
| Goal | ||||
| Stash, someday | ||||
| Account |
Step 3Build the new plan
Copy each line's average from Step 2. Give every line its new monthly amount. The difference is what has to move.
| Line | Average from Step 2 | New monthly amount | What has to move | Due |
|---|---|---|---|---|
| Take home pay | ||||
| Fixed | ||||
| Rent | ||||
| Utilities | ||||
| Phone | ||||
| Internet | ||||
| Insurance | ||||
| Subscriptions | ||||
| Card minimums | ||||
| Loan payments | ||||
| Annuals ÷ 12 | ||||
| Fixed total | ||||
| Needs | ||||
| Groceries | ||||
| Gas and transit | ||||
| Pharmacy | ||||
| Household | ||||
| Pet | ||||
| Needs total | ||||
| Desires | ||||
| Eating out | ||||
| Coffee | ||||
| Clothes | ||||
| Beauty | ||||
| Online shopping | ||||
| Desires total | ||||
| Unexpected | ||||
| Stash, soon | ||||
| Goal | ||||
| Goal | ||||
| Goal | ||||
| Goal | ||||
| Stash, someday | ||||
| Account |
Step 4Make it land on zero
Every dollar gets a job, so this should come out to exactly $0.
If it comes out negative, cut in this order.
1 Desires
Cut it down to what fits. Keep what you'd miss most.
2 Fixed
One phone call can lower a bill for every month after it.
3 Needs
Change how you shop for groceries and the rest of what changes.
Then set it up
Steps 5 and 6
Open the accounts and name them for the job
| Fund | Bank | Account name | Own debit card? |
|---|---|---|---|
| Fixed | |||
| Unexpected | |||
| Needs | |||
| Desires | |||
| Stash Soon | |||
| Stash Someday |
Step 7
Transfers for the day after payday
| Fund | Amount per paycheck | Moves on |
|---|---|---|
| Unexpected | ||
| Needs | ||
| Desires | ||
| Stash Soon | ||
| Stash Someday |
Step 8
My borrowing rule
Step 9
My Money Type and its one adjustment
My Money Type:
My adjustment:
First check-in, at the end of month one:
pricelesstay.com/funds · Education, not financial advice. Give it three months before you judge it.
