Chapter 4 · Hitting A Financial Grand Slam
Quick Wins Finder
Review your last 30 days of bank and card statements. Record subscription changes and spending habits below. Savings are projections, not confirmed reductions.
Subscription audit
Keep = $0 savings. Cut = the full current monthly cost. Downgrade = current cost minus revised cost. Convert annual charges to monthly (annual cost ÷ 12). Last-used dates are optional. A negative result means the revised cost is higher.
Spending habits to change
Quick wins summary
Don't double count: if you list a streaming cancellation in the subscription audit, exclude that same reduction from spending-habit savings. Annual savings assumes every change stays in place for 12 months.
Incomplete rows are excluded from totals. Enter zero explicitly when a revised cost or target is $0. Negative savings are included so spending increases aren't hidden.
Educational planning tool; not personalized financial advice. Nothing you type is saved or sent anywhere — use Save as PDF to keep a copy.