Turn your forecast into real-world action — every single month.

Your goals are set.

You’ve mapped where you stand.

You’re tracking your money and forecasting what’s possible.

Now it’s time to make it happen, month by month.

This skill is the difference between a great plan and a lived reality.

It’s where your financial future becomes your present-day routine.

💭 Why it matters

Even with a brilliant forecast, things fall apart if your real-world actions don’t match the plan.

If money just lands in your account with no clear direction, it’s easy to:

• Overspend emotionally

• Miss goal contributions

• Drift into default habits

This skill prevents that.
It turns your incoming cash into intentional choices.

When every dollar has a job, your goals become inevitable.

🧱 What you’ll do in this step

Each month, you’ll take the income you’ve actually received and:

• Cross-check it with your forecast

• Adjust for any changes

• Allocate funds to your essential costs, lifestyle spending, and goal contributions

• Physically move the money into the right places (e.g. accounts, savings buckets)

It’s like running a team — every dollar gets an assignment.

🎯 What it gives you

By the end of this step, you’ll:

• Know exactly what your money is doing this month

• Fund your goals consistently without second-guessing

• Prevent overspending before it happens

• Build confidence and rhythm month after month

This is where you go from hoping to leading.

✅ How to give every dollar a job

Here’s your repeatable monthly routine:

1️⃣ Check what actually landed

Forget the forecast — for this step, start with reality.

• What money actually arrived in your accounts this month?

• Include wages, business income, transfers — anything that’s spendable.

This is your available cash for the month.

2️⃣ Revisit your forecast plan

Pull up this month’s forecast to see what you originally planned:

• How much did you expect to spend on essentials, lifestyle, and goals?

• Were there any irregular costs forecasted (e.g. car rego, gifts)?

Think of this as your blueprint — but stay flexible.

3️⃣ Adjust for changes

If income is higher or lower than forecasted, make smart adjustments.

• Income higher? Consider increasing savings or building buffers.

• Income lower? Prioritise essentials and scale back lifestyle temporarily.

This keeps you proactive, not reactive.

4️⃣ Allocate every dollar

Now divide the available funds into three clear areas:

🧾 Essentials – Rent/mortgage, bills, groceries, transport

🍿 Lifestyle – Dining, entertainment, shopping

🎯 Goal Contributions – Money you’re directing toward your savings goals

Use your priority list from Skill 1 to decide what gets funded first.

5️⃣ Move the money

Separate accounts = less temptation.

• Put bills money into a Bills account

• Move spending money into a Spending account

• Transfer goal savings to their own buckets

Automation helps. So does making it visual.

6️⃣ Do it again next month

This habit compounds. Each month gets easier.
Each success builds momentum. And over time, this rhythm creates financial transformation.

💬 Real Story: “We stopped guessing — and started winning.”

“A young family we worked with had a budget, but every month felt like a scramble. Money was landing and disappearing. They were constantly reacting.

After using this skill, they said: ‘We’re not guessing anymore. Every dollar has a job. And for the first time, we’re ahead of the game — not behind it.’

That simple shift turned stress into strategy.”

🚀 Do it faster with Moolah

Inside Moolah, you can:

• See your actual income next to your forecast

• Auto-calculate allocations for essentials, lifestyle, and goals

• Use smart account linking to allocate and track spending with ease

• Lock in your monthly plan in minutes

It’s the fastest way to stay consistent — without the spreadsheet sprawl.