Compass Complete

The Guided Payday Compass Program

Nine modules that turn the 12 steps into an implementation path — not another budgeting course.

1. Module 1 — Find Your Starting Point

   Know exactly what is coming in and what is going out.

   You finish with: A written starting point: balance, next payday, paycheck size, and every bill due.

2. Module 2 — Protect the Four Walls

   Prioritize essential expenses before anything else.

   You finish with: Housing, food, utilities and transportation covered first — in that order.

3. Module 3 — Build Your Payday Plan

   Use the Payday Formula on the paycheck you actually have.

   You finish with: Paycheck - bills - food - transportation - savings = spending money.

4. Module 4 — Control the Leaks

   Weekly spending limits plus your three-leak system.

   You finish with: Three expenses cancelled or reduced, and a weekly number you can hold.

5. Module 5 — Build Breathing Room

   The $50 → $100 → $500 buffer progression.

   You finish with: A checking buffer that stops overdraft fees when small surprises hit.

6. Module 6 — Deal With What Is Behind

   Organize overdue bills and prepare for provider conversations.

   You finish with: A call list, call scripts, and a plan for each past-due account.

7. Module 7 — Create Your Debt Plan

   Choose one debt and establish the payoff approach.

   You finish with: Minimums protected, one target debt, and a payoff timeline you can see.

8. Module 8 — Increase the Gap

   Explore realistic ways to increase available income.

   You finish with: Two or three income options that fit your actual schedule.

9. Module 9 — Your Repeatable Payday Routine

   Turn everything into a system that repeats every payday.

   You finish with: A written routine you run in 20 minutes each payday.