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Your 30-Day Financial Starter Kit Β· Week 1 of 4
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Monthly Budget Tracker Β· 12-Month Cash Flow Β· Credit Card Impact
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 ✦ Fill in the BLUE cells below · Everything else calculates automatically
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 YOUR MONTHLY INCOME
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DescriptionAmountTypeNotes%
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Primary paycheck (after taxes)$0Regular← edit0%
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Side income / freelance$0Variable← edit0%
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Benefits / assistance$0Regular← edit0%
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Other income$0Other← edit0%
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βœ… TOTAL MONTHLY INCOME$0
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 YOUR MONTHLY EXPENSES
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Category
Monthly Amount
TypeNotes% of Income
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🏠 Rent / Mortgage$0Fixed← edit0%
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⚑ Utilities (electric, gas, water)$0Fixed← edit0%
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πŸ“± Phone$0Fixed← edit0%
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🌐 Internet$0Fixed← edit0%
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πŸš— Car payment / transportation$0Fixed← edit0%
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πŸ›‘οΈ Insurance (car, renters, health)$0Fixed← edit0%
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πŸ” Groceries$0Variable← edit0%
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🍽️ Dining out$0Variable← edit0%
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🎬 Subscriptions & entertainment$0Variable← edit0%
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πŸ’Š Healthcare / medications$0Variable← edit0%
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πŸ‘• Clothing & personal care$0Variable← edit0%
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πŸ’³ Minimum debt payments$0Debt← edit0%
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πŸ’³ Credit card (new secured card)$0Variable
← Your new secured card monthly charge
0%
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πŸ“¦ Other expenses$0Variable← edit0%
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πŸ“Š TOTAL MONTHLY EXPENSES$0
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 YOUR MONTHLY SNAPSHOT
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Total Income$0
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Total Expenses$0
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πŸ’° Monthly Surplus (money left over)
-
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Savings Rate0,0%
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 THE 30% RULE β€” CREDIT CARD USAGE GUIDE
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Your secured card credit limit$0← Enter your card limit
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🎯 Keep your balance BELOW (30% of limit)
$0
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⚠ The 'danger zone' starts at (50% of limit)
$0
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Keep your monthly card charges below the 30% threshold. Utilization is the second biggest factor in your score β€” right after payment history. Low utilization = faster score improvement.
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 3 THINGS TO DO THIS WEEK
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1. Set up autopay for the minimum payment
The day you receive your card. Set autopay for at least the minimum β€” then pay the full balance yourself before the due date.
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2. Assign one small recurring charge
Gas, a streaming service, or groceries. One predictable charge per month β€” paid in full. That's the entire system.
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 3. Track your balance weeklyCheck that you're staying below 30% of your limit. Log it here in the tracker on the next tab.
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Week 1 of 4 Β· Next up: Card Impact Calculator (arrives Monday) Β· CreditΓ‘vel Β· creditavel.com
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