The Money System

Set up your money once. After that it moves on its own every payday.

What you get

• A clear picture of where your money goes, from your own bank exports
• The yearly cost of each habit, and what it would grow to if invested
• One account per purpose: bills, food, travel, gifts, buffer, investments
• Transfers that fit your take-home pay and run on payday

How it works

Eight steps, then three levels: build a buffer, pay off expensive debt, invest. Upkeep after setup: one yearly review of a couple of hours.

Who it is for

People who want control of their money without tracking every coffee.

Format

Guide plus spreadsheet (Excel or Google Sheets). Pivot table instructions included.

Educational guide, not financial advice.