Pay Day Plan

Service Description

Money wants to be of service, but it needs direction. It needs to know what commitments must be paid, what’s coming up in your life, what you value and enjoy, and how funds should be allocated across different types of spending. It also needs timing, so it can show up when it’s supposed to. Without that structure, spending decisions stay scattered. You get to the end of the money before the next payday. And financial stress starts creeping in. Managing your money starts with your pay period and a clear plan that shows: • How much income you’re working with each payday • What your money must cover before spending begins • Wow much room you actually have for variable life spending • Where overspending tends to creep in • How to account for irregular expenses before they’re forgotten The Pay Day Plan gives every paycheque clear, realistic, and flexible guidance so your money moves through your life the way you want it to. We organize your money around three core components: • Your income and pay schedule • Your committed expenses (exact numbers and timing) • Your spendable money (using realistic ranges and guardrails if you need them) We map your financial commitments across the year and design a simple structure you can actually use to build a spending plan for each payday. This is a plan that fits, not one you have to constantly fix. And you’ll be able to use it even if you have a variable income What you get • A custom, pay-period-based spending and cash flow plan • A simple template compatible with Excel and Google Sheets • Clear organization of income, committed expenses, and spendable funds • Realistic spending ranges where boundaries are needed • A plan for infrequent and irregular expenses • Integration of savings, investing, and debt repayment • Suggestions for systems to streamline how you manage your money • A 60-minute review meeting to walk through everything together • One round of follow-up edits or refinements • Expert answers to any personal finance questions This is for you if… • You don’t have a budget but think you need one • You've tried budgeting before, and it never quite worked • You're paid, but spending still feels unpredictable • You overspend in certain areas and don't have helpful boundaries • Your spending doesn't always align with your values and priorities • You're getting tired of resetting your budget every month *We start with a 30-minute introductory call to talk through the details.