Got an hour? You can change your finances. You don’t need to be an expert—just a bit of clarity, a place to write things down, and a timer. In 60 minutes you can leave chaos behind and start feeling in control.

This is not about perfection. It’s about the essentials. Let’s do it.

1) Prepare 3 things (5 minutes)

  • 📲 Your banking app or your latest statements (digital or paper).
  • 💰 Your monthly net income (what actually hits your account).
  • 🧾 A list of your debts: how much you owe, to whom, your monthly payment, and the type (credit card, loan, etc.).

Rule of the day

Today we’re not chasing perfection—we’re chasing clarity. If something isn’t exact, write a reasonable estimate. The goal is a good overall picture.

2) Calculate your “number” (15 minutes)

Answer one question: how much do you need each month to live?

List your essential fixed costs:

  • Rent or mortgage
  • Groceries
  • Utilities + internet
  • Transport
  • Minimum debt payments

💡 Add it up. That’s your baseline. Multiply it by 3: that’s your minimum emergency buffer. If you want extra peace of mind, also note your “comfortable buffer”: baseline × 6.

👉 You can use a calculator if you want, but a reasonable estimate is enough to start.

3) Find invisible leaks (15 minutes)

This is where the hidden gold is. Scan your transactions for:

  • ❌ Subscriptions you don’t use (apps, platforms, “extra” insurances).
  • 💳 Bank fees, card maintenance fees.
  • 💸 High interest on credit cards or micro‑loans.

Realistic alert

If you don’t know how much you pay in fees, it’s probably too much. Move to fee‑free accounts and prioritize paying off high‑interest debt.

4) Choose 3 moves (10 minutes)

You don’t need 10 changes at once. Just three concrete steps:

  • 🏦 Automate saving on payday—even a small amount.
  • ✂️ Cut one useless expense this week (yes, the daily coffee or the unused subscription).
  • ⏳ Use the 24‑hour rule: if you want to buy something, wait one day. You’ll be surprised how often you won’t want it anymore.

5) Automate and forget (10 minutes)

Make the system work for you—not the other way around:

  • Set automatic transfers for saving.
  • Create a monthly reminder (“finance review day”).
  • Keep a “future purchases” list: if you still want it in a few days, you can decide calmly.

6) Monthly review (10 minutes)

Once a month, spend 10 minutes on 3 questions:

  • Where did my money go this month?
  • Which expenses were genuinely worth it?
  • Did my buffer go up, down, or stay flat?

Write it in a notebook or a note on your phone. The habit is what matters.

Will you do it this week?

You don’t need perfection. You need one hour. A coffee, your phone, and a start. If you do it, tell me how it went—your future self will thank you.