Saving & Spending Workbook
Personal Finance Course Companion
Your Money Purpose
Session 1
Answer honestly. No perfect answers.
1.
What do I want money to give me more of in life?
2.
What stresses me most about money right now?
3.
What would “financial peace” look like for me?
One-sentence money purpose:
Cash Flow Snapshot
Session 2
Monthly Income
•
Primary income: __________
•
Other income: __________ Total income: __________
Monthly Expenses
Fixed
•
Rent/Mortgage: __________
•
Utilities: __________
•
Insurance: __________
•
Other: __________
Variable
•
Food: __________
•
Transport: __________
•
Lifestyle: __________
•
Subscriptions: __________
Total expenses: __________
Spending Tracker
Session 3
Date
Category
Amount
Reason
Track for 7 days. No judgment.
Money Leaks Finder
Session 4
Circle or list what applies:
•
Subscriptions I forgot about
•
Convenience spending
•
Emotional purchases
•
Lifestyle creep
Three expenses I can remove or reduce:
1.
2.
3.
Spending Values
Session 5
Rank your top five spending priorities:
1.
2.
3.
4.
5.
Anything outside this list should be limited.
Budget Method Selector
Session 6
Check one:
•
☐ 50/30/20
•
☐ Zero-based
•
☐ Pay-yourself-first
Why this works for me:
Saving Goals Planner
Session 7
Goal
Amount
Deadline
Emergency fund
Short term
Long term
Automation Setup
Session 8
•
Bank: __________
•
Amount auto-saved: __________
•
Frequency: Weekly / Monthly
Start date: __________
Conscious Spending Review
Session 9
Last month’s spending:
•
Added value: __________
•
Neutral: __________
•
Regret: __________
What I will change next month:
Emotional Spending Triggers
Session 10
My triggers:
•
Stress
•
Boredom
•
Celebration
•
Comparison
Replacement habit: _______________________
Tight Income Strategy
Session 11
One expense to reduce or negotiate:
One micro-saving habit:
Inflation Adjustment
Session 12
Categories affected most:
•
Food
•
Transport
•
Housing
New monthly limits:
Personal Spending Rules
Session 13
1.
2.
3.
Big Expense Review
Session 14
Biggest expense: ______________________ Is it aligned with my values? Yes / No One possible improvement: _____________
Consistency Plan
Session 15
Monthly money review date: __________ Reward for consistency: _____________
Confidence Builder
Session 16
Three financial wins this month:
1.
2.
3.
My One-Page Money System
Session 17
•
Budget method: __________
•
Saving rule: __________
•
Spending rules: __________
•
Review habit: __________
Long-Term Commitment
Session 18
I commit to reviewing my finances:
•
Monthly ☐
•
Quarterly ☐
•
Yearly ☐
Signature: __________ Date: __________