The Free Yearly Expense Planner,
The 12-month plan for everything that doesn't happen every month.
This is your yearly expense planner: one page that maps the whole year of costs that don't hit every month. Stop being blindsided by what was always coming: the vet bill, the registration renewal, the insurance premium that lands all at once.
You earn well and manage most things just fine. But somehow the same kind of expense keeps catching you off guard, every time. This planner is the fix: one page that covers 12 months and every irregular expense coming.
Free. No spam. Unsubscribe anytime.
Want the full method behind it? Read how to plan for irregular expenses.
What changes when you have the plan
- You see the whole year at a glance. Every irregular expense you can predict, on one page, mapped to when it actually hits. Things like the birthdays in March, your car registration in July, and holiday gifts in November. Nothing surprises you because nothing is hidden.
- You know exactly how much to set aside per paycheck. Not for the whole year but for the specific paycheck window you are in right now.
- The next car repair, the next vet visit, the next annual whatever stops being a panic. It is already accounted for because you see it coming.
Who this is for
Capable people whose financial life hasn't quite caught up with the rest of how they operate. They make good money and still find themselves blindsided by expenses they technically saw coming. Not because they are bad with money. Because nothing has ever shown them the year ahead in a way that actually fits how they live.
About this planner
Kelsa Dickey is the creator of the SpendFirst methodology. She has spent nearly two decades sitting across from real people in financial stress and building systems that actually fit how they live. Nearly 1,100 clients. $38 million in debt paid off. $112 million saved. This planner is one piece of the SpendFirst methodology, free to use, no strings.