GATHER IT · START SOMEWHERE
What came in?
What went out?
You cannot manage a number you refuse to look at. Facts do not argue—they just are.
THE 20-MINUTE MONEY LOOK
Do this before building a budget.
- GatherLast month’s bank statement, pay information, benefit deposits, cash-app activity, and major bills.
- Write what came inUse money actually received—not what you expected.
- Write what had to go outHousing, utilities, food, transportation, medication, insurance, debt minimums, and obligations.
- Find the quiet leaksSubscriptions, fees, delivery, interest, convenience, and repeated small purchases.
- Name one next moveCancel one thing, call one company, move one due date, or protect one small amount.