Short-Term Budgeting Goals — page 1

Take

control

of

your

money

in

the

next

90

days

.

01

Build

Your

Financial

Safety

Net

Savings

Create

a

$

1,000

starter

emergency

fund

Save

$

167

each

month

—

or

$

77

per

biweekly

paycheck

—

into

a

separate

high

-

yield

savings

account

.

Automate

your

savings

Schedule

a

transfer

of

at

least

10%

of

every

paycheck

for

the

same

day

you

get

paid

—

no

decision

required

.

Name

one

short

-

term

savings

goal

Set

aside

$

500

by

day

90

for

a

specific

upcoming

need

,

such

as

travel

,

an

appliance

,

or

car

repairs

.

02

Pay

Down

Debt

&

Trim

Fixed

Costs

Debt

&

bills

Pay

off

the

smallest

credit

-

card

balance

Attack

your

lowest

outstanding

balance

first

and

roll

that

payment

into

the

next

debt

once

it

is

cleared

.

Negotiate

one

recurring

bill

Call

your

internet

,

phone

,

or

insurance

provider

and

ask

for

a

better

rate

—

aim

to

free

up

$

25

per

month

.

Cancel

unused

subscriptions

Review

the

last

30

days

of

statements

and

cancel

any

streaming

,

app

,

or

membership

you

didn

'

t

use

.

03

Reset

Everyday

Spending

Habits

Spending

Track

every

expense

for

30

days

Log

each

purchase

on

the

same

day

in

a

budgeting

app

or

notebook

until

spending

patterns

become

visible

.

Set

a

$

120-

per

-

month

dining

-

out

cap

Reserve

dining

and

takeout

for

3–4

planned

occasions

per

month

and

cook

at

home

the

rest

of

the

time

.

Adopt

the

48-

hour

buying

rule

Add

non

-

essential

purchases

to

a

wish

list

,

then

buy

only

the

items

you

still

want

two

full

days

later

.

Plan

one

no

-

spend

weekend

per

month

Schedule

free

activities

and

allow

nothing

beyond

essentials

.

Move

what

you

didn

'

t

spend

into

savings

.

04

Review

Progress

&

Increase

Income

Income

·

tracking

Do

a

15-

minute

weekly

money

check

-

in

Every

Sunday

,

compare

spending

against

your

plan

,

fix

overspending

,

and

set

the

target

for

the

week

ahead

.

Boost

your

income

by

$

200

per

month

Sell

unused

household

items

,

pick

up

one

repeat

gig

,

or

take

on

a

small

freelance

task

—

then

save

the

proceeds

.

A

simple

way

to

start

:

Don

'

t

tackle

all

12

at

once

.

Choose

three

goals

from

this

list

to

focus

on

this

month

—

one

savings

goal

,

one

debt

or

bill

goal

,

and

one

spending

habit

—

then

add

another

whenever

one

becomes

automatic

.

1 / 2

Short-Term Budgeting Goals — page 2

Short

-

Term

Budgeting

Goals

· 90-

Day

Plan

Goal

review

date

: ____ / ____ / ____

```

2 / 2

Short-Term Budgeting Goals

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