Your Personal
Spending Plan
We'll walk you through this step by step โ no judgment, just clarity. This isn't a test. It's a starting line.
This form is your safe space. There are no wrong answers here. We're simply getting a clear picture of where you are today โ so we can build the clearest path to where you want to be.
Tell us about yourself
A few basics to get us started.
Think of your income as your "dollar supply." Every dollar you bring in needs a job โ housing, food, debt payoff, savings. A dollar without a job tends to disappear. We're about to give every dollar a purpose.
Your income
Include all money that comes in each month โ from any source. Use take-home amounts (after taxes).
Most people think they know where their money goes. Most people are wrong โ by hundreds of dollars a month. We call these "invisible leaks." This step makes the invisible visible. No shame โ just awareness.
Your monthly spending
Enter what you currently spend in each category. Use your best estimate โ you can refine later. The "Target" column is what we'll build toward together.
Debt is renting money. The interest rate is the rent. Some rent is cheap (a car loan at 4%), some is robbery (a credit card at 24%). Our strategy is to stop paying robbery-level rent first โ that's called the Avalanche Method, and it saves you the most money.
Your debts
List every debt you carry. You'll find this info on your statements. Include credit cards, car loans, medical bills, personal loans โ everything except your mortgage.
A budget without a goal is just a list of restrictions. Goals are what make the sacrifice feel worth it. We're going to set three โ a quick win, a medium target, and a big picture vision. All three keep you motivated at different moments.
Your goals
Think of these as the "why" behind the plan. Write whatever comes naturally โ there's no wrong answer.
Most people never get this far. The fact that you filled this out puts you ahead of 90% of people who are in the same situation but staying stuck. Your advisor has everything they need to build your plan.
Your snapshot
Here's what we captured. Your Surefire advisor will review this and reach out to build your personalized plan.
You're on your way.
Your spending plan has been received. A Surefire Financial advisor will review your information and reach out within 1 business day.
Remember: Every dollar has a job now. You're already winning.
Questions? Call us at (772) 267-7797 or email lacey@surefirefinancial.com
