This section is about building the day-to-day structure for your money - and that takes time.

You’re not meant to master everything in one sitting or make all the changes at once. The tools in this section are designed to be used over time, as your awareness grows and your habits start to shift. That’s why the Spending Plan Journal covers a full year, and why you have lifetime access to this course - you can come back to these lessons whenever you need them.

As you work through the bill tracker, fixed and flexible expenses, savings, and debt overview, focus on progress, not perfection. Small steps, repeated consistently, are what create real change.

And remember—you don’t have to do this alone. Join the discussion to share what you’re learning, ask questions, and pick up practical tips from others who are working through the same process.