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Personal Budget Freebie & 4 week Financial Detox

FREE Excel Personal Budget Template – Should you have trouble downloading template email me on for assistance.

Your personal finances affect all aspects of your life so lets begin the new year by arranging our finances and creating a solid financial foundation for ourselves. Paying attention to the small details of our financial lives can give us peace of mind and a sense of financial security.

The 4 Week Financial Detox

Week one:

  1. Identify and list all sources of income

  2. Identify and list all sources of expenses

  3. Automate your bills and monthly savings

  4. Set up frequent budget review dates – “money dates”

Week two:

  1. Identify savings goals: short, medium and long term goals.

  2. Design a workable plan to change your spending patterns to meet your goals

  3. Start saving as early in the month as possible

Week three:

  1. List your debts – Who you owe and how much you owe.

  2. Decide on a debt repayment strategy that you can stick to. I recommend the Snowball Method

  3. Design a workable plan to pay of debt and meet your target debt repayment per month and by year end.

Week four:

  1. Monetize your skills

  2. Consider taking on a part time job even if its temporary or on a seasonal basis to help bring in extra income.

  3. Look for ways to turn your hobbies into a secondary source of income

  4. Create/think of ways in which you can create streams of passive income

Let this be the year that you take charge of your finances and financial future. I hope this helps you on your path!

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