Tools & Resources
One-Page Financial Plan Builder
Seven buckets. Honest numbers. One printable page that says what you have decided to do with your money. Takes about five minutes once you have your bank app open.
Your Numbers
Pull up your last three months of bank statements and use the real averages, not the numbers you wish were true. The plan begins with what is actually happening.
$
Net, not gross. The number that actually lands in your account. If it varies, average the last three months.
The Seven Buckets (monthly)
$
Mortgage or rent, property tax, home insurance, utilities, regular maintenance.
$
Groceries plus restaurants and takeout. The real number, not the aspirational one.
$
Car payment, insurance, fuel, parking, transit. Combine both vehicles if you have two.
$
Credit cards, student loans, lines of credit. Exclude the mortgage; that lives in Housing.
$
Church giving and regular charitable contributions. In the plan, not after it.
$
TFSA, RRSP, FHSA, emergency fund building, workplace pension contributions.
$
Clothing, subscriptions, hobbies, kids' activities, gifts, the random Saturday at Canadian Tire. One number is enough.
For Your Savings Order
$
Money set aside for a job loss, health event, or major repair. Not your chequing balance.
If yes, the FHSA joins your savings order.
One goal, not five. It goes at the bottom of your plan.
Does It Fit Inside Your Income?
Take-Home
$0
Buckets Total
$0
Margin
$0
Giving
0%