You won't get rich overnight. But financial stability? That's achievable. Here's a realistic timeline.
Month 1-2: Awareness
- Track every expense
- Know exactly what you earn and spend
- Identify the biggest leaks
Month 3-4: Stop the Bleeding
- Cut unnecessary expenses
- Stop adding new debt
- Create basic budget
Month 5-8: Build the Buffer
- Save $1,000 mini emergency fund
- This prevents new debt from emergencies
Month 9-18: Attack Debt
- Pay off high-interest debt
- This timeline varies by debt amount
Month 19-30: Real Emergency Fund
- Build to 3-6 months expenses
- True financial security
Beyond: Build Wealth
- Invest for retirement
- Save for goals
- Enjoy the stability you've built
Track your journey with Pocket Clear. Celebrate each milestone.
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