How to use it: Enter amounts in your own currency. Use monthly figures where possible. Estimates are fine—the purpose is clarity, not perfection.

1. Monthly take-home income

Main income	__________
Side or freelance income	__________
Other income	__________
Total monthly income	__________

2. Fixed monthly expenses

Housing	__________
Utilities and phone	__________
Loan or debt payments	__________
Insurance and subscriptions	__________
Other fixed expenses	__________
Total fixed expenses	__________

3. Flexible monthly expenses

Food and groceries	__________
Transport	__________
Personal spending	__________
Entertainment	__________
Other flexible expenses	__________
Total flexible expenses	__________

4. Assets

Cash and savings	__________
Investments	__________
Property or business value	__________
Other valuable assets	__________
Total assets	__________

5. Debts and liabilities

Credit cards	__________
Personal or student loans	__________
Vehicle or housing debt	__________
Other debts	__________
Total liabilities	__________

My one improvement this month

Choose one realistic action:

• Reduce one expense.
• Save a fixed amount.
• Pay extra toward one debt.
• Track spending once a week.

My action: ______________________________________________

This worksheet is for general financial education. Do not enter bank-account numbers, passwords, identification numbers, or other sensitive information.