Everyday money: the worksheet.

Print one for each person. Nobody has to share what they write.

Moraph for Good · Fluent

Everyday money

Worksheet · moraph.org/commons/sessions/fluent/everyday-money

Use this sheet in the session for the made-up household, or at home for your own month. Nobody will ask you to share your answers, and it goes home with you.

1 Money coming in

Write each kind of income, the date it usually arrives, and what it is in a usual month and in a lower month.

What comes in	Date it arrives	Usual amount	Lower month

2 Bills that can’t move

List each bill in date order and which payday will cover it.

Bill	Due date	Amount	Paid from which payday

3 Costs that don’t come every month

Write the yearly cost of each one, then divide by 12 to see what to set aside each month.

Cost	Amount a year	Each month (divide by 12)

4 My first steps

Tick the ones you will try.

Write every payday and bill date for next month on a calendar
Pick a first emergency fund target: the cost of one common surprise
Set up a small automatic transfer on payday to a separate account or pot
Call one company to ask about moving a due date or a hardship plan
Look up the free help listed for my country on the handout

General information, not advice about your own situation. Free to copy and adapt. moraph.org/commons