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Everyday essentials

The everyday side of a budget is not planning but maintenance: knowing what leaves the account and when, catching the subscription you stopped using, and spending fifteen minutes a month so that nothing surprises you. This course builds that routine.

Lessons

Lesson 1 is open to everyone. Lessons 2 to 6 unlock with the course and arrive by email as a PDF pack together with the checklist.

  1. 01
    Reading a statement line by lineWhat each column means, how to spot a payment you do not recognise, and what to do about it.
    Open · read now
  2. 02
    The regular payments registerEvery subscription, membership and standing payment on one page, with the date it leaves and the date it renews.
    8 min
  3. 03
    The ones you no longer useA quick test for each line of the register, and how to cancel without losing something you still need.
    6 min
  4. 04
    Direct debits and standing ordersThe difference, when each is the right tool, and how to keep them from stacking up on the same day.
    6 min
  5. 05
    Timing payments around paydayMoving dates so that the big fixed costs leave right after income arrives, not just before.
    6 min
  6. 06
    The fifteen-minute routineOne short session a month: statement, register, calendar, done.
    7 min

Who it is for

Anyone who opens a statement and skims it, or does not open it at all.

What it is not

It does not tell you how much to spend on anything. Those are your decisions. It does not cover anything that depends on your personal circumstances; for that, a qualified professional is the right place to go.