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Safe Money and Time Planner
Work out what you can safely risk each month, and the hours you really have.
- Spreadsheet
- 6 pages
- About 30 to 45 minutes to fill in
- Google Sheets · Excel · PDF
Making this yourself would take about 9 hours: working out the steps, writing the examples and setting it up in Google, Microsoft and PDF. It's done for you.
The voice in this video is George's, made with AI.
What it's for
You're thinking about starting something and want to know your limits before you spend anything. It works out two numbers. First, the money you could lose each month without hurting your bills or savings. Second, the hours you really have each week.
Pairs well with
- What You Already Bring (the bigger picture of what you're starting with)
- What Kind of Business Fits You? (use your limits to choose a direction)
What you'll leave with
- Your monthly money in and must-pay costs, in one place.
- How much is left after savings and normal life, and the share you're willing to risk.
- The hours left in your week, and the share you'll really use.
- Your two limits written down, and what would make you stop and rethink.
Look inside
How to use it
Work through the steps in order. Each one has a worked example and space to write your own answer.
- Open the Start Here tabRead what it's for, the color key and the steps.
- Look at the Example tabSee how Maria filled it in.
- Your Turn, sections 1 and 2Type what comes in each month and your must-pay costs, from your bank app.
- Your Turn, section 3Type what you add to savings and keep for normal life, then pick the share of the leftover you'll risk.
- Your Turn, section 4Fill in your week (sleep, work, family, home) and pick the share of the free hours you'll really use.
- Your Turn, section 5Read your two limits and write what would make you stop and rethink.
- Read the resultsThe white cells work everything out. Come back to these numbers when you feel pulled to spend more.
Tips
- Type only in the yellow cells. The white cells have formulas.
- Use real numbers from your bank app, not a guess.
- It's fine to risk nothing yet. The AI prompts on the Start Here tab help you spot costs you forgot. This is a thinking tool, not financial advice.
Three formats, one purchase
- Google SheetsMake a copy in your Google Drive and type straight into it.
- Microsoft ExcelDownload and fill it in on your computer.
- PDFPrint it and fill it in with a pen.
Desire pack
Also in the Desire pack
3 documents in all
What You Already Bring
List the skills, experience, people and money you can build on.
About 10 hours to make yourself
What Kind of Business Fits You?
Test three kinds of business against your time, money and limits.
About 9 hours to make yourself
Ready to start?
Pay once, keep it, and download it as often as you like.