Ok, you have an idea of your money pie plan, but we all know life doesn't work like that, so now you'll be tracking when things are paid off one by one.

Use the next page to also set up reminders for yourself - e.g. a special birthday, a one off bill or an event that you want to be reminded of.

When you work out your expected outgoings and expected income, is there a positive or negative difference?

Is there anything you can do pre-emptively to close the gap if it's negative?

If it's positive, you can afford to EXPAND you money-pie. Initially you could make a "misc" pot, and then as you discover more about your spending habits, you'll know where this extra money can be directed.