Step 1: Capture baseline income
- Log take-home pay sources and pay dates
- Estimate predictable bonuses, reimbursements, or commissions
- Note any upcoming changes (overtime, PTO, job switch)
Downloads
Budget reset workbook
A four-step reset to realign cash flow, tighten spending, and boost monthly payoff momentum.
Step 2: Lock in fixed expenses
- List housing, insurance, minimum debt payments, and subscriptions
- Confirm auto-pay dates and required balances
- Highlight upcoming annual or quarterly bills
Step 3: Reset variable spend
- Audit the last 30 days of transactions for top categories
- Set weekly spending caps for groceries, dining, and gas
- Choose one "leak" to pause or reduce this month
Step 4: Redirect to payoff
- Pick your focus debt and set a stretch payment
- Plan how to use extra cash (refunds, bonuses, gig income)
- Schedule reminders for mid-month check-ins
Weekly reset rhythm
Keep the plan alive with quick touchpoints that keep spending in check and debt targets front and center.
Monday reset
- Update balances and mark any payments that cleared
- Reconcile last week’s variable spending
- Choose one action that moves payoff forward
Wednesday tune-up
- Review upcoming bills in the next 7 days
- Move surplus into the payoff bucket
- Flag any category running hot
Friday recap
- Log wins, roadblocks, or questions
- Queue next week’s negotiation or savings task
- Confirm the next transfer or extra payment
Pair it with PYB UPDATES
Bring your reset notes into the weekly PYB UPDATES email so you can share wins, blockers, and the next action you need help tackling.
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