Reality Check Worksheet
How much do you really make, spend, and have left over at the end of the month?
From Chapter 1 of The 3-Bucket System
Free printable PDF. 5 pages. Fill it in one sitting, no app needed.
Download FreeNo guessing, no rounding up. Just the truth.
You earn enough to survive, but somehow there is never anything left, and you cannot say exactly where it went. Before you can fix that, you have to see it.
This worksheet walks you through your real income and your real expenses. No guessing, no rounding up. By the last line you know your actual number, what is left at the end of the month. That is where Chapter 1 begins.
What's inside
5-page printable PDF. Income, expenses, the bottom line, and your retirement gap.
- Your real take-home income. What actually hits your account after tax, NIB, and deductions.
- Fixed expenses. Rent, BPL, WSC, phone, insurance, loans. The bills you cannot skip.
- Variable expenses. Food, eating out, clothing, subscriptions. Where most leaks hide.
- The bottom line. Income minus expenses equals what is really left at month's end.
- Where do you fit? Three Bahamian income scenarios and the paycheck-to-paycheck paradox.
- Your NIB retirement gap. What NIB pays versus what you will need, and how to fill the gap.
- Your next steps. A this-week, this-month, and after-30-days checklist to act on.
The Chapter 1 worksheet, free to download and print.
Get the Worksheet
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- 5-page PDF
- Printable
- Instant download
- Bahamian numbers
From the book
The 3-Bucket System · $19.99 →This worksheet is Chapter 1. The full book has the whole system, built for Bahamians.