Practical money guidance for real paydays
Make your paycheck feel less spoken for.
MY Consumer Compass helps you build a repeatable payday routine, cover essentials first, and find a safer amount to spend each week.
- No card required
- 20–30 min per payday
The payday plan
One routine. Fewer surprises.
Each step puts the next money decision in plain view. No shame, no complicated jargon. Just a repeatable way to cover what matters and see what is truly available.
- 01Map the next paydaySee what is coming in, what is due, and what needs a place first.
- 02Cover the essentialsPut bills, groceries, transport, and other must-pays in plain view.
- 03Set a safe weekly limitTurn what remains into a realistic amount you can spend without guesswork.
- 04Audit the quiet leaksReview recurring bills, fees, and subscriptions line by line for opportunities.
- 05Repeat with less stressUse the routine again next payday and adjust it as real life changes.
Want the long version? The full 12-step plan lives in the community learning hub.
The payoff
Less guesswork. More breathing room.
You do not need a perfect income or a different personality to begin. You need a clear order for the money already moving through your life.
01
Know what is spoken for
Give every payday dollar a job before everyday spending starts deciding for you.
02
Find your safe-to-spend number
Replace mental math with a simple weekly allowance that respects upcoming bills.
03
Build a routine you can repeat
Use the same clear steps every payday, then make small changes as needed.
What comes along
A friendly kit for the everyday money stuff.
The tools are simple on purpose. They help you make decisions without turning your household budget into a second full-time job.
12-step payday plan
A repeatable order for bills first, then weekly spending.
Payday budget calculator
A simple way to list balances, upcoming bills, and what remains.
Bill-audit prompts
Questions to help you review fees and recurring household costs.
Learning materials
Flashcards, a quiz and a mind map to practise the plan for free.
Good to know
Questions before you start?
Clear answers make changing a money routine easier. Here is what to expect.
Start with the next payday
Your next clear step starts here.
No shame, no big promise. Just a practical routine for seeing what your money needs next.
Free tools stay free. Membership is $12/mo or $89/yr and can be cancelled anytime.