The Money Gains Podcast This Is Exactly How You’re Going To Take Control Of Your Finances In 2026 (90 Day Plan)
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Dec 17, 2025 Uncover a transformative 12-week action plan for mastering your finances in 2026. Discover how to review your spending like a business, automate your finances through a three-bank system, and tackle debt with the snowball method. Learn the importance of building an emergency fund and start investing wisely. Sammie encourages boosting your income through negotiations and side hustles while sharing savvy cashback strategies. Regular check-ins ensure you stay on track, making personal finance both manageable and rewarding!
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Do A Three‑Month Money Audit
- Take three months of recent bank statements and audit every transaction to get awareness of your money.
- Use the provided ChatGPT prompt to categorise spending into fixed, discretionary and debt to spot leaks.
Cut 10–20% From Non‑Value Spending
- List expenses from biggest to smallest and cut non‑value items to free 10–20% of your budget.
- Target easy wins like takeaways, Ubers, subscriptions or energy to create meaningful savings.
Automate With A Three‑Bank System
- Automate paydays using a 'three‑bank' system: income account, bills account, and high‑interest savings account.
- Set a standing order to 'pay yourself first' each payday and treat savings like a non‑negotiable bill.