This worksheet is your new best friend in money management. It's what helps you see before—things happen—how your money can stretch each paycheck. Doing so allows you see if you are cash flow positive or negative each paycheck, and make any adjustments to planned spending.

It's a whole lot like a spreadsheet. In fact, it is a spreadsheet. But a pretty one, and one that does for you what no budgeting tool I've done can do—help you forecast your per-paycheck spending. This is much more helpful than seeing what a hypothetical month costs.

It feels way more connected to your real life than other spreadsheets that don't allow for your adjustments, or that keep you operating on a hypothetical monthly basis without ever it work on a per-paycheck basis.

It is designed for those receiving semi-monthly paychecks (24 paychecks per year), but could easily be adjusted to accommodate bi-weekly paychecks (26 paychecks per year). It could also be adjusted for those who are self-employed since, although your income might vary, your expenses don't really and it's similarly helpful to project your cash flow each month.

Nope! It distills down the process I use at the start of each client engagement and includes the encouragement and instructions you need for surfacing all your planned spending in a format that will flex with additions and shrink with subtractions.

This worksheet comes from years of helping people change their money, and learning that they don't usually have a "budgeting" problem. The problem has been that they are trying to organize (in a budget tool) an inaccurate financial picture. Guess how well that works? :-) Surfacing everything and forecasting your cash flow is the thing that finally gets money management humming along.