Face Your Numbers
The numbers don't lie. Enter your real numbers one time. Nothing here asks for an account number, ever.
Where You Are
Promise II is where your money stops being a mystery. You enter your real numbers one time, and I turn them into 4 plain readings: what comes in, what you own and owe, what your debt is truly costing you, and how much of your money is actually working for you. No guessing. The numbers don't lie.
Right now you have entered 0 of your numbers, so I do not have a reading for you yet. Start with your Income Statement below.
Cash Flow After Bills
Progress Over Time
Free cash, month by month. Every time you update your numbers, a new snapshot is kept. The line only has to move one way.
Income Statement
What comes in and what goes out, every month.
Money coming in. Example: Job take-home, Rental income, Side business. Add a row for each source.
| Source | Type | Amount / month |
|---|
Money going out
Example: Rent, Car payment, Groceries, Subscriptions. Add a row for each.
| Where it goes | Type | Amount / month |
|---|
Balance Sheet
What you own and what you owe.
What you own (assets). Example: Checking, Savings, Retirement, Home equity, Car. Add a row for each.
| Item | Type | Value |
|---|
What you owe (liabilities)
Example: Credit cards, Student loans, Mortgage, Car loan. Add a row for each.
| Item | Type | Balance |
|---|
Cost of Capital
What your debt actually charges you. No account numbers, ever.
Example: one card for each credit card, store card, or loan. Available credit fills in for you.
Working Money
Your investments and what they earn. No account numbers, ever.
Example: HYSA, brokerage, retirement account, CD. Add a row for each holding.
| Account / holding | Type | Interest Rate % / Balance |
|---|