💸 Reset Your Finances in 4 Weeks
💡 The Goal: Get in control of your money, cut waste, and save your first €500/$500.
✅ STEP 1: Know Where It Goes
Get clarity on your current spending:
- 🧾 Track all expenses for 7 days (apps, spreadsheet, notebook)
- 🔍 Identify 3–5 “money leaks” (e.g. subscriptions, takeout, impulse buys)
- 📊 Sort expenses into needs vs wants
✅ STEP 2: Set a Simple Budget
Create a budget you can actually stick to:
- 💰 Use the 50/30/20 rule as a guide:
50% needs · 30% wants · 20% savings - 📉 Set spending limits for each category
- ✅ Automate bills + savings if possible
✅ STEP 3: Cut Costs + Save Fast
Free up cash and start building a cushion:
- ❌ Cut or pause 2–3 low-value expenses
- 🍱 Meal prep instead of eating out
- 💡 Sell unused items or do a weekend side hustle
- 💳 Use cash or debit for daily spending (no credit)
🗓️ SIMPLE 4-WEEK TIMELINE
| Week | Focus | What to Do |
|---|---|---|
| Week 1 | 🔍 Track & Review | Log all spending for 7 days. Spot your top leaks. |
| Week 2 | 📊 Build Your Budget | Set up 50/30/20 budget. Automate savings. |
| Week 3 | ✂️ Cut & Save | Eliminate waste. Meal prep. Sell 1–2 unused items. |
| Week 4 | 💼 Build the Habit | Review weekly. Save leftover cash. Celebrate first €/$500 saved! |
🎯 By Day 28:
- Clear view of your money
- Smart, simple budget in place
- First €500/$500 saved or on its way