個人・ライフ

First Salary Money Plan: Decide Where Your Pay Goes, Then Automate It

A first paycheck budget template for new hires who want the take-home split - savings first, fixed costs, student loan repayment - decided and automated before the money lands. The whiteboard holds a one-year savings target and the order money is protected in, an automated payday routine, a split table in shares and amounts, and a quarterly KPT review (Keep, Problem, Try). The task board runs four columns - Deciding, Setting up, Running, and Monthly check - and starts with five parent tasks and their subtasks, from confirming take-home and automating savings to locking in fixed costs, planning student loan repayment, and reviewing every quarter. Because the split and the standing transfers are set before the money has anywhere to go, the first year ends with savings in the account instead of nothing left by payday.