Essentials
4 categories
- HousingRent or mortgage28%
- FoodGroceries12%
- UtilitiesBills8%
- TransportWork access10%
Debt paydown
Debt paydown sprint
A focused template that protects minimum living costs while pushing a clear share toward debt.
Cover essentials, keep a small emergency buffer, and route the largest flexible share to priority debt.
58%
Debt
2 categories
- Priority debtHighest interest first22%
- Other minimumsRequired payments8%
Buffer
2 categories
- Emergency starterAvoid new debt7%
- Lifestyle capSmall fun budget5%