1. “Here’s my salary and fixed expenses. Build me a zero-based budget I can actually follow.” → Every dollar had a job. No more wondering where it went. 2. “Split my income using the 50/30/20 rule—based on my real numbers.” → Finally—a system that fit my life. 3. “Create a monthly cash flow tracker I can update in under 5 minutes.” → Simple = sustainable. I stuck with it. 4. “Based on my income, how much should I save each month to hit [goal] in 12 months?” → Savings became a plan—not a guess. 5

16K views · 35 reactions | How I would budget an annual income of $150,000 using the monthly expenses tracker. In this scenario this person has got a mortgage and is rentvesting. What would you do differently? Disclaimer: this is for educational purposes only. #budget #spreadsheet #debtfree #financialfreedom #wealthbymichael | Wealth By Michael | Facebook

22 reactions · 3 comments | How I would budget on an annual income of $50,000 using the monthly expenses tracker. Disclaimer: This is not financial advice and is for educational purposes only. #finances #budget #excel #googlesheets #budgeting #sydneyfinances #australianfinance | Wealth By Michael | Facebook