Sizu 
Whole-Picture Budget
Take-home − savings − bills − debt − discretionary = your surplus or shortfall, with coverage and savings rate.
What this book teaches
The book that ties the whole series together. Not about spending less — about spending knowingly: building a real budget from a real payslip, converting every irregular cost to a monthly equivalent, budgeting on a variable income, mapping cash-flow timing, tracking spending to find the leak, and finally putting all six books on one page — take-home minus savings, bills, debt, and discretionary — to read the one number at the bottom.
Free tools for this book
Income Allocation Grid
Split take-home by percentage into real amounts — and check the shares total 100%.
Irregular-Cost Converter
Spread yearly and occasional bills into the monthly amount to set aside.
Variable-Income Budget
Budget on your lowest month, bank the good ones, and size the reserve.
Debt-Service Ratio
Debt ÷ take-home, your ceiling, the headroom left, and whether a loan fits.
Savings Rate
Saved ÷ take-home, the gap to your target, and pay-yourself-first in dollars.
Budget Toolkit
All nine budget tools, gathered and sized to print. No sign-up.
All chapters
- 1What a Budget Really Is
- 2Dividing the Income
- 3The Monthly That Isn’t
- 4Variable Income
- 5Cash-Flow Timing
- 6Tracking and the Leak
- 7The Borrowing Line
- 8The Saving Line
- 9The Whole-Picture Budget