How to transform money in 3 Months ?

90-Day Financial Reset: Transform Your Money in 3 Months Transform Your Finances in 90 Days ...

Transform Your Finances in 90 Days

A Step-by-Step Playbook for Financial Control

1Financial Audit

Track & Categorize:

• Fixed Expenses (rent, utilities)
• Discretionary Spending (eating out)
• Debt Payments

2Cost Cutting

Sample Budget Breakdown:

• Rent: $1,500
• Ubers: $225
• Eating Out: $300

Free Net Worth Tracker

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3Automation Setup

Key Accounts:

• High-Yield Savings (4% APY)
• Investment Account (5% auto-transfer)

4Debt Attack Plan

Credit Card Example:

• $2,500 Balance
• 21% APR → 15% via negotiation
• Save $600 in interest

5Emergency Fund Boost

Target Milestones:

• First $1,000
• 3-6 Months Expenses

6Investment Launch

S&P 500 ETF Strategy:

• $500/mo → $1.49M in 30 years
• Vanguard/Fidelity Accounts

7Income Growth

Earning Strategies:

• Salary Negotiation
• Side Hustles
• High-Income Skills

8Goal Setting

SMART Goals Example:

• $8K Emergency Fund
• $583/mo Savings Target

9Credit Strategy

Credit Card Rules:

• Pay Full Balance Monthly
• Max 30% Utilization
• Cash Back Rewards

10Net Worth Tracking

Example Calculation:

• Assets: $125K
• Liabilities: $30K
• Net Worth: $95K

11Progress Review

Check Metrics:

• Spending vs Budget
• Debt Reduction
• Savings Rate

12Long-Term Vision

Stretch Goals:

• 1 Year: $10K Savings
• 5 Years: Home Downpayment
• 10 Years: Financial Freedom