Money Friction Plan

Plan around payday and impulsive spending by adding practical money delays, limits and safer routines with this free worksheet.

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Use this when money arriving or instant payment repeatedly shortens the route to an action you are trying to change.

01When does money tend to increase pressure?A payday, weekend, time of day or another predictable window.02Which essentials could be dealt with earlier?Think about bills, food, travel or another priority without entering amounts or account details.03Where is spending currently most instant?A saved card, cash, app, credit or another fast route.04What block, limit or delay could create a useful pause?Use only controls that are appropriate and chosen by you.05What positive spending or reward could be planned safely?A plan made only of restriction is often hard to sustain.06What kind of practical support could help?Debt advice, budgeting support, a bank control or another general form of help — no names needed.

What next?

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