The Money Audit

The Money Audit
A workbook for taking an honest stock of your money
Most people avoid looking closely at their money. Not because they do not care, but because they are worried about what they will find. This workbook asks you to look anyway.
 
The Money Audit walks you through a full, honest stock-take of your finances: what comes in, what goes out, what you owe, what you own, and the habits that produced all of it. Then it helps you turn that picture into a plan.
 
It works in five parts. Where you stand records the facts, from your income and debts to your savings, your monthly expenses, the small leaks in your statements, and your net worth. How you got here looks at the patterns behind the numbers, including your debt-to-income ratio and savings rate, with plain guidance on how to read both. Where you are going asks what you actually want. The bridge turns the gap into a plan: the habits to keep and let go, your three priorities, your first thirty days, an emergency fund target, and a way out of expensive debt. Keep going closes with a quarterly check-in page, so the workbook keeps working long after the first sitting.
 
It is written for South Africans, in rands. Stokvels, NSFAS, store accounts and the rest of how money really works here are all on the page. And it is not a January exercise. Do it when something shifts, a new job, a raise, a hard month, then once a quarter to check your bearings.
 
You will need an unhurried hour or two, your bank statements, and a pen.
What you receive: a 32-page workbook, delivered as a print-ready PDF and an editable Word document. A4 format. Instant download.