This is my journey to apply the book, Unfck your finances. The book is about personal finances but I’ve added actions specific to working for myself.*

If you want a bit more context, the prelude pieces are Hope can be scary, Why do we never talk about personal finance?, and Actually finishing a book: the application.

Today, I moved forward on the first few action items:

• Integrate, archive, or throw out the reflective exercises.
• Work out what it takes to reach the monthly savings goals.

Here’s what I moved forward.

Integrate, archive, or throw out the reflective exercises I transcribed these and added them to my keystone document. These one-off things can be super valuable. What’s amazing is that they end up tucked away and out of use because I don’t keep them somewhere that I see often. Not this time!

Work out what it takes to reach the monthly savings goals Ok here are the plans for July, August, and September (numbers redacted)

JULY To pay off my credit card debt by end 2019, I will:

• automate a monthly payment of to Go Mastercard (due 1 July 2019)
• call NAB to negotiate the interest rate (due 31 July 2019)
• call Westpac to negotiate the interest rate (due 31 July 2019)
• call Go to negotiate the interest card (due 31 July 2019)

To set up a ready-for-anything fund (so that I’m never without options), I will:

• automate a monthly payment to savings (due 1 July 2019)

To get the system set up and running smoothly, I will:

• separate business and personal finances (due 1 July 2019)
• set up the new bookkeeping system (due 1 July 2019)
• register for GST (due 1 July 2019)
• automate tax and GST savings (due 1 July 2019)

To make this happen, I need to hit my July revenue goal and keep outgoings below the defined threshold.

AUGUST To pay off my credit card debt by end 2019, I will:

• up the automated Go Mastercard monthly payment (due 1 August 2019)

To get the ready-for-anything fund to where I want it to be (so that I’m never without options) by end April 2020, I will:

• change the savings monthly payment (due 1 August 2019)

To make this happen, I need to hit my August revenue goal and keep outgoings below the defined threshold.

SEPTEMBER To pay off my credit card debt by end 2019, I will:

• up the automated Go Mastercard monthly payment (due 1 September 2019)

To get the ready-for-anything fund to where I want it to be (so that I’m never without options) by end April 2020, I will:

• change the savings monthly payment (due 1 September 2019)

To make this happen, I need to hit my September revenue goal and keep outgoings below the defined threshold.

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How I’m making sure this all happens * I’m posting this here as accountability. * I’ve added the action items to the calendar on the due dates. * I’ve added the new revenue targets to the weekly report I send to my finances accountability buddy. * More actions will come up under getting the system running smoothly, I’m sure.