05 · The good problem
Now decide where the leftover lives.
Your monthly surplus, sliced four ways. Sliders adjust the share - totals don't need to hit 100, we normalise.
Monthly leak
£389
Recoverable (60%)
£233
Your working surplus
£197
This is what we're allocating below. Reduce your leaks to grow this number.
Monthly surplus (with leaks reclaimed)
£197
Annualised: £2,370
Allocation mix
SavingsEmergency fund, short-term goals
40%£79
40
InvestingStocks, index funds, pension
30%£59
30
Debt repaymentAbove-minimum payoff
20%£39
20
Fun moneyGuilt-free spending
10%£20
10
12-month projection
| Month | Savings | Investing | Debt repayment | Fun money | Cumulative |
|---|---|---|---|---|---|
| M1 | £79 | £59 | £39 | £20 | £197 |
| M2 | £158 | £118 | £79 | £39 | £395 |
| M3 | £237 | £178 | £118 | £59 | £592 |
| M4 | £316 | £237 | £158 | £79 | £790 |
| M5 | £395 | £296 | £197 | £99 | £987 |
| M6 | £474 | £355 | £237 | £118 | £1,185 |
| M7 | £553 | £415 | £276 | £138 | £1,382 |
| M8 | £632 | £474 | £316 | £158 | £1,580 |
| M9 | £711 | £533 | £355 | £178 | £1,777 |
| M10 | £790 | £592 | £395 | £197 | £1,975 |
| M11 | £869 | £652 | £434 | £217 | £2,172 |
| M12 | £948 | £711 | £474 | £237 | £2,370 |