TRULLZ.
Money Kit

One kit for the thing everyone wants. Once.

Save
More.

One kit for your money in the real world: see where it actually goes, cancel the silent subscriptions, kill one debt at a time, run a no-spend challenge, and let the first €1,000 stack up automatically. Undated, reusable, yours.

INSIDE

Money Snapshot · Subscription Audit · Debt Payoff · No-Spend Challenge · €1,000 Stack · Monthly Review

Same calm style as trullz.com — free tools, zero hassle. Part of the TRULLZ product family (daily money? the Life Planner).

TRULLZ Money Kit
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TRULLZ.
How to use · ready in 5 short sessions

5 sessions. More money.

Session 1 — The snapshot (25 min)

Page 3: income, fixed costs, debts — all in one honest table. Not fun. Powerful.

Session 2 — The audit (20 min)

Page 4: every recurring charge, keep or kill. This session alone often pays for the whole kit.

Session 3 — The debt plan (15 min)

Page 5: list them, pick your snowball order, pay minimums + tiny extra. One at a time.

Session 4 — The challenge (10 min)

Page 6: start the 30-day no-spend run. One grid, one mark per day.

Session 5 — The stack (10 min)

Page 7: set the automatic €1,000 plan (autopay — willpower is a terrible banker).

THE ONE RULE

Automate the boring part. Money moves you have to remember get skipped; money moves that happen without you actually happen.

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TRULLZ.
Money Snapshot · one honest table

Where it goes.

MONTHLY INCOME · every source, realistically (net!)

FIXED COSTS · every recurring bill — the silent floor beneath everything

What it isAmountDue dayKeep / Kill?
    
    
    
    
    
    
    
    
Fixed costs total

________ per month · that is ________ per year.

The gap

Income − fixed = ________ freedom money per month.
If it's negative: page 4 is now your most important page.

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TRULLZ.
Subscription Audit · the fastest money win

Kill the quiet ones.

EVERY RECURRING CHARGE · streaming, apps, gym, cloud, "free trials" — check your bank statement for the last 3 months!

What€/monthUsed (30 days)?Verdict: keep / kill
    
    
    
    
    
    
    
    
    

KILL TODAY

"Free trials" that became paid (cancel now, use free alternatives)
Gym you stopped visiting in March
Second streaming service "for one show"
Delivery-app "plus" fees you forgot
Killed total

________ €/month saved → ________ €/year.
Now move that amount to savings AUTOMATICALLY (page 7), or it evaporates.

TRULLZ Money Kit
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TRULLZ.
Debt Snowball · one at a time, forward only

One debt. Then the next.

MY DEBTS · smallest balance first (snowball) — numbers at the end of this month

#The debtBalanceMin. paymentRate
1    
2    
3    
4    
5    

PAYMENT LOG · extra amount on debt #1 until it's gone, then roll the whole thing into #2

The roll-over rule (this is the magic)

When debt #1 is paid: its ENTIRE payment moves onto debt #2. Not "extra savings". The payment never shrinks — debts fall in order, faster each time.

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TRULLZ.
30-Day No-Spend Run · one box at a time

Nothing. On purpose.

THE GRID · a mark per no-spend day — the chain IS the game. Never miss twice.

Rules: allowed = bills already fixed, groceries on the list, the one thing you pre-planned. Everything else waits 30 days.

12345678910
          
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My wishlist list (the 24h rule)

Want something during the run? Write it here:

After 30 days, look — most of it won't matter anymore.

What the run saves

Impulse buys I skipped: ________
Total saved: ________ € → straight to page 7's stack.

TRULLZ Money Kit
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TRULLZ.
The €1,000 Stack · automated, not heroic

Auto-pay. Then forget.

MY AUTOMATIC PLAN · set up in your banking app ONCE

STACK PROGRESS · shade a cell per €50 — watch it fill

0 → 1,000 €, each cell = 50 €:

What the first €1,000 is for

□ Emergency buffer (this is priority #1)
□ Debt #1 payoff
□ A specific goal I name: ______________

The raise rule

Every time fixed costs drop (page 4) or income rises: add half the difference to the automatic transfer TODAY. The other half is fun money — guilt-free, by design.

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TRULLZ.
Monthly Money Review · 10 minutes, once a month

Review. Adjust. Again.

THIS MONTH · numbers, not vibes

The 3 checklist

□ Subscriptions re-audited (5 min)
□ No-spend run or light version done
□ Automatic transfer still on (banks love to "update" it away)

Next month — ONE focus

□ Stack faster by +____ €
□ Kill debt #__ by end of month
□ Run a full 30-day no-spend
One focus. Money is a habit, not a talent.

That's the whole kit. See it → cut it → kill it → stack it. Money, handled.

Track daily spending in the Life Planner, earn extra with the Side Hustle Kit: trullz.com — free tools, zero hassle. ☕ ko-fi.com/trullz

TRULLZ Money Kit
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