Workbook$
Budget Like a Grown-Up
A workbook for your first salary
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Workbook
Budget Like a Grown-Up
A workbook for your first salary
Buy — link coming soon
What's inside
- Cover1
- Welcome, what you'll need & not-financial-advice note2
- How to use this workbook + contents3
- My money snapshot (currency, pay, accounts, debts, savings)4
- First-salary setup checklist5
- Where do I want to be? (goals & money story)6
- Understanding your payslip + payslip decoder7–8
- 30-day spending audit: guide & category codes9
- Daily spending logs (days 1–30)10–14
- Audit summary + reflection15–16
- Needs, wants & goals + choosing your split17–18
- Every unit has a job: zero-based explainer + worksheet19–20
- How the monthly sheets work (worked example, money date)21
- 12 monthly budget sheets22–33
- Bill & subscription tracker, bill calendar, subscription check-up34–36
- Debt: snowball vs avalanche, debt list, payoff tracker37–39
- Emergency fund plan + tracker40–41
- Savings goals planner + progress trackers42–43
- Sinking funds planner + tracker44–45
- Big purchase planner + 30-day wait list46–47
- Net worth snapshot + tracker48–49
- Money habits checklist + habit tracker50
- Annual review: year in numbers, looking back, next year's plan51–53
- Money words, decoded (glossary)54
- Notes & closing page55–56




