15-Second Spending Plan | Financial Dadvisor

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Step 1 — Your Income

Enter your take-home (net) paycheck amount

Primary paycheck

Net pay per bi-weekly paycheck

Additional monthly income (side job, etc.)

= Total monthly income $0

Tip: Always use your net (after-tax) paycheck amount — what actually hits your bank account. If your pay varies, use a conservative average from the last 3 months.

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Fixed Recurring Expenses

Same amount every month

Expense	Monthly $	Per Paycheck
		—
		—
		—
		—

Total fixed$0 / mo$0 / pay

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Variable Recurring Expenses

Enter your annual total — monthly & per-paycheck calculated automatically

How it works: Add up what you spent on each category over the last 12 months and enter that total. The tool divides by 12 to get your monthly average and sets aside the right amount each paycheck.

Expense	Annual $	Monthly (÷12)	Per Paycheck
		—	—
		—	—
		—	—
		—	—

Total variable$0 / mo$0 / pay

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Periodic Expenses

Enter the bill amount & frequency — monthly & per-paycheck calculated automatically

How it works: Enter the bill amount and how often you pay it — every 3, 6, or 12 months. For example, $600 every 6 months for car insurance → $100/month set aside automatically so it never catches you off guard.

Expense	Bill $	Frequency	Monthly	Per Paycheck
			—	—
			—	—
			—	—

Total periodic$0 / mo$0 / pay

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Monthly Debt Payments

Minimum payments only — snowball goes below

Debt	Monthly min $	Per Paycheck
		—
		—
		—

Total debt payments$0 / mo$0 / pay

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Short-Term Sinking Funds

Enter your annual savings goal — monthly & per-paycheck calculated automatically

How it works: Enter what you expect to spend on each category over a full year. The tool divides by 12 so you set aside the right amount every month — no more surprise expenses.

Fund	Annual goal $	Monthly (÷12)	Per Paycheck
		—	—
		—	—
		—	—
		—	—

Total short-term savings$0 / mo$0 / pay

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Long-Term Sinking Funds

Enter your goal amount & timeline — monthly & per-paycheck calculated automatically

How it works: Enter the total amount you need and choose how many months you have to save. For example, a $12,000 car fund over 24 months = $500/month set aside automatically.

Goal	Target $	Months	Monthly (÷ months)	Per Paycheck
			—	—
			—	—

Total long-term savings$0 / mo$0 / pay

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Debt Snowball Payments

Extra payments beyond minimums to accelerate payoff

Payment	Monthly extra $	Per Paycheck
		—

Total snowball$0 / mo$0 / pay

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Your 7-Step Payday Routine

Complete these steps every payday to put your finances on auto-pilot

Direct deposit → Primary Checking

Your full paycheck of $0 lands in your Primary Checking. Change your mindset — this account is no longer for bills. It is for spending freely on wants.

Auto-transfer → Secondary Checking

Set up an automatic transfer of $0 per paycheck to your Secondary Checking. This covers all recurring expenses, debt payments, and short-term sinking funds. Set it once and forget it.

Auto-transfer → Savings Account

Set up an automatic transfer of $0 per paycheck to your Savings Account for long-term goals. Keeping it separate prevents you from spending it on other things.

Savings → Brokerage (optional)

As your savings account grows, transfer excess to a brokerage account money market fund. You will earn 5–10× more interest than a typical bank savings account — and you will be less tempted to spend it.

Automate bill payments from Secondary Checking

Set up automatic debits or online bill pay from your Secondary Checking for all recurring expenses and debt minimum payments. Use automatic debit, online banking, or Zelle/Venmo — just make sure all payments come from the Secondary account.

Debt snowball payment from Primary Checking

Pay $0 per paycheck toward your debt snowball from Primary Checking. Do this only after completing steps 1–5. If there is no room for a snowball payment, revisit your expense amounts first.

Spend freely what remains!

After your payday routine is complete, $0 per paycheck is yours to spend freely on wants — no guilt, no tracking. Once your Primary Checking hits zero, you are done spending until next payday.

Set it and review quarterly: Once your automatic transfers are set up, resist tweaking every month. Let it run for 2–3 months then adjust. The goal is a plan simple enough to memorize — not one you micromanage.

Bi-Weekly Paycheck Plan

What to set aside from each paycheck

Category	Monthly total	Per Paycheck
Total committed per paycheck
Left over per paycheck

Your personalized spending plan — ready to print or save as PDF.

Tip: Choose "Save as PDF" in the print dialog to keep a digital copy.

15-Second Spending Plan

My Spending Plan

Complete the Build Plan tab to generate your personalized plan.

Monthly Summary

Category	Monthly	Per Paycheck	% of Income

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Your 7-Step Payday Routine

Complete these steps every payday to put your finances on auto-pilot

Direct deposit → Primary Checking

Your full paycheck of $0 lands in your Primary Checking. Change your mindset — this account is no longer for bills. It is for spending freely on wants.

Auto-transfer → Secondary Checking

Set up an automatic transfer of $0 per paycheck to your Secondary Checking. This covers all recurring expenses, debt payments, and short-term sinking funds. Set it once and forget it.

Auto-transfer → Savings Account

Set up an automatic transfer of $0 per paycheck to your Savings Account for long-term goals. Keeping it separate prevents you from spending it on other things.

Savings → Brokerage (optional)

Automate bill payments from Secondary Checking

Debt snowball payment from Primary Checking

Pay $0 per paycheck toward your debt snowball from Primary Checking. Do this only after completing steps 1–5. If there is no room for a snowball payment, revisit your expense amounts first.

Spend freely what remains!

After your payday routine is complete, $0 per paycheck is yours to spend freely on wants — no guilt, no tracking. Once your Primary Checking hits zero, you are done spending until next payday.

50/30/20 Rule Check

Category	Monthly	% of Income	Target	Status

The 15-Second Spending Plan

Bi-Weekly Paycheck Plan

Your 15-Second Spending Plan

The 15-Second Spending Plan

Bi-Weekly Paycheck Plan

Your 15-Second Spending Plan

Your Spending Plan Is Ready to Unlock!