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Copyright Moneysophy 2023. All Right Reserved. ©
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Intructions for Mindful Spending Plan (aka Conscious Cash Flow plan)
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0. Duplicate a copy of this template (click "file", then "make a copy")
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1. First timer? In the tab "Spending Plan", enter your "Net Worth" data to have an overview of your assets and debts.
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2. Then fill out the table "Monthly Cash In" with your incomes. If you receive an annual bonus, you can divide the number by 12 for simplification.
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3. Finally, under "Monthly Cash Out" enter your 3Fs (Foundation - Future - Fun), you have 2 ways to do it:
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 Solution A: Enter your ideal numbers [column C] and then compared with your current spending [columns E to P]. If any differences, try to close the gap gradually every month.
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 Solution B: Enter all data based on last month expenses [columns E to P] and then enter your financial goals on column C
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4. You can use the "Daily Tracker" tab to monitor your current month's expenses by filling it out on a daily basis and ensure you are staying on track with your financial goals.
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Tips:
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 - You don't have to know ALL numbers, you just need 3: the 3Fs
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 - Don't worry if the numbers don't match with your "ideal" numbers. We're not aiming for perfection, we're just trying to better than yesterday.
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 - Stay on top of your current cash flow with your bank apps or other apps such as YNAB, Planto, Moneyfy, and Goodbudget.
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 - Update the rows based on your lifestyle and your goals
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Bonuses:
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 #1 You can use the "practical case" tab for reference only
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 #2 The "saving fund calculation" allow you to better anticipate future payments occuring this year or in the near future
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To go further:
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If you have any questions (or if you spot any errors), feel free to reach out to hello@moneysophy.com
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Connect with me on LinkedIn
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Who is behind Moneysophy?
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Hi, my name is Sophie Hau, I'm a Speaker, a Money Coach and the Founder of Moneysophy, to promote modern financial education and close the financial behaviour gap. Visit moneysophy.com for more services
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Terms of Use
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Any information provided is for informational purposes only and should not be construed as an offer or solicitation to sell or buy, or an invitation to engage in any financial transaction or investment. The responsibility and decision to buy or sell rest solely with the investor. The “Payday Routine” does not in any way bind Moneysophy or its affiliates and does not impose any legal or contractual obligations on them. Moneysophy is not responsible for any losses or damages resulting from reliance on this information. Use of this content is at your own risk.
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Copyright Monyesophy 2023. All Right Reserved. ©
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