FIRST WAYPOINT MONEY CHECKUP
Waypoint 1: Map — awareness before action
Pathway Financial Coaching | pathwayfinancialcoaching.com

MONTHLY SNAPSHOT (use after-tax income; count each expense once)
Take-home income: __________
Essential living expenses (exclude debt counted below): __________
Minimum debt payments: __________
Giving: __________
Planned savings: __________
Other spending: __________
Income minus the listed outflows: __________
Check irregular expenses and estimates before treating a remainder as available cash.

MY FOOTING
[ ] I can explain our income and recurring expenses.
[ ] I have listed debts, minimum payments, and due dates.
[ ] I know what savings are available for unexpected expenses.
[ ] Our next household money conversation is on the calendar.

One goal: __________________________________________
One next action this week: __________________________
My review date: ____________________________________

Do not include account numbers, passwords, or identity details. Keep completed notes private.
This is an educational starting point, not a complete plan or investment, tax, or legal advice.
A free 30-minute consultation is available at pathwayfinancialcoaching.com.