Money Reset Plan
New day, clean slate. If money felt messy in the past, use this 7-day money reset to tidy your budget, tame debt, and set up “autopilot” for the rest of 2025—without overwhelm.
What you’ll get:
- A short daily task (15–30 mins)
- A tracker to tick off wins
- Templates and calculators to remove guesswork
Retirement Planning Made Simple: What to Start Doing in Your 30s
Day 1 — Clarify Your Numbers (Net Worth & Cash Map)
- List all accounts: cash, MFBs, bank, mobile wallets, investments, debts.
- Snapshot Net Worth = Assets – Debts (even if negative).
- Map cash for Sep 1–30: inflows, bills, flexible spends, savings.
Quick win: For your money reset, rename accounts in your banking app: “Bills,” “Everyday,” “Goals.”
Day 2 — Build a One-Month Budget (That Actually Fits for Money Reset)
- Choose a method: 50/30/20, Zero-Based, or Envelope.
- Put bills first, then minimum debt payments, then savings, then wants.
- Add a $ buffer line (2–5% of income) to catch surprises.
Download a One-Page Budget here.
Day 3 — Automate the First 10% (Works well for Money Reset
Set an automatic transfer on payday: 10% → Savings (rename to “Emergency Fund”).
- If income is irregular, auto-save a flat amount on every inflow (e.g., $200 per receipt).
Day 4 — Choose Your Debt Method
- Snowball: smallest balance first → quick wins.
- Avalanche: highest interest first → lowest cost.
- Pick one and schedule extra payment day (15th).
Day 5 — Slash 3 Leaks (Rule of 30)
- Pull last 30 days’ statement.
- Circle 3 repeating leaks (subscriptions, impulse food orders, data top-ups).
- Cancel/limit each in 3 minutes: pause, cap, or swap.
Day 6 — Prepare for “Bad Days”
- Create a Mini-Emergency list: 5 expenses you’ll cash-cover without debt (e.g., clinic, repairs).
- Put $1,000–$3,000 aside in “Emergencies Only.”
- Save your Bank Block/Freeze USSD or app steps somewhere visible.
Day 7 — Future-Proof (Goals & Next Steps)
- Set 3 goals for month A- month C: one debt, one savings, one learning (e.g., “Finish Debt 2,” “$1,000 EF,” “Read investing guide”).
- Calendarize: put due dates + reminders.
- Share your plan with an accountability buddy.
FAQs on Money Reset
Q1: What if my net worth is negative?
No shame—most people start there. Focus on cash flow (budget + leaks) and a small EF; debt will follow.
Q2: Snowball or avalanche—how do I choose?
If you quit easily, pick snowball (motivation). If you’re steady and patient, avalanche (saves more). Terces Finance’s last guide helps you decide.
Q3: I earn irregularly. Can I still automate?
Yes. Auto-save a fixed amount per inflow (e.g., $200 each time money lands), then do a weekly budget reset.
