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The CashCompass Starter Kit
Everything you need to turn the 50/30/20 split into a habit you'll actually keep — on one page, in plain English.
My Monthly Plan
- Needs · 50%
- Wants · 30%
- Save & debt · 20%
Worksheet preview · fill in your own numbers below
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What's inside
1-page 50/30/20 worksheet
Fill it in once, reuse every month. Print it or keep it on your phone.
Monthly money checklist
A short, repeatable routine so nothing slips through the cracks.
The 3 biggest budget leaks
Where money quietly disappears — and the calm way to plug it.
The kit
Your one-page plan
Press ⌘/Ctrl + P to save this as a PDF or print it.
| Bucket | Target | Your amount | What goes here |
|---|---|---|---|
| Needs | 50% | $ ____________ | Rent, groceries, utilities, transport, minimum debt payments |
| Wants | 30% | $ ____________ | Dining out, subscriptions, hobbies, travel |
| Save & debt | 20% | $ ____________ | Emergency fund, extra debt payoff, future goals |
Monthly money checklist
- Find your monthly take-home pay (what actually lands in your account).
- Split it 50 / 30 / 20 — or your own tuned numbers from the calculator.
- Check your needs fit inside their slice. If not, that's your first focus.
- Automate the savings slice on payday so it leaves before you can spend it.
- Glance at it once a month. That's the whole habit.
The 3 biggest budget leaks
Forgotten subscriptions
Free trials that quietly became paid, and apps you stopped using. Scan your statement and cancel anything you'd not re-subscribe to today.
Convenience spending
Small, frequent buys — delivery fees, top-ups, taxis — add up faster than one big purchase. Notice the pattern, then pick one to swap.
Lifestyle creep
When income rises, spending quietly rises to match. Send the raise to your savings slice first, before it disappears into wants.
Who it's for
Anyone who wants a simpler way to see their month — whether you've never budgeted or you've tried five apps and bounced off all of them. No experience needed, no spreadsheets, no jargon.
Educational only — general information based on the 50/30/20 guideline, not personalized financial advice.