Free 90-Day Plan
The Financial Reset
90 days. 12 weeks. One focused quarter to build the financial habits that will last the rest of your life. Check off each step as you go.
"For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it?"
— Luke 14:28 (ESV)
Calculate your net worth — assets minus liabilities. Write the number down without judgment.
Pull 3 months of bank statements and identify your top 5 spending categories.
Complete the Builder Type Assessment to identify your financial mindset pattern.
Download the Heart & Wallet Budget Worksheet and fill in every line honestly.
Set up your three buckets: Give First, Save Second, Spend Wisely — even if the amounts are small.
Identify one spending category to cut by 20% this month and move that money to savings.
Open a separate savings account specifically for your emergency fund — label it "Peace Fund."
Set up an automatic transfer of whatever you can — even $25/week — to your Peace Fund.
Calculate your Bucket 1 target (1 month of essential expenses) and write your goal date.
Review your spending from Week 2. Where does your money actually go — and what does that reveal?
Set your Generosity Number — a giving commitment that reflects your values, not your leftovers.
Have a money conversation with your spouse/accountability partner. Share your goals and your number.
"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty."
— Proverbs 21:5 (ESV)
List every debt: creditor, balance, interest rate, minimum payment. No hiding from any of it.
Use the Debt Payoff Calculator to choose your strategy — snowball or avalanche.
Make one extra payment on your target debt this week — even $20 extra counts and builds momentum.
Research the market rate for your job or skill set. Are you earning what your work is worth?
Identify one skill you could develop in the next 90 days that could increase your income.
Sell 5 things you don't use and put every dollar toward your emergency fund or target debt.
Schedule a weekly 15-minute "money date" — review spending, check progress, pray about finances.
Set up automatic minimum payments on all debts so you never miss one again.
Cancel 1–3 subscriptions you don't actively use. Redirect that money intentionally.
Recalculate your net worth. Even a small improvement deserves to be named and celebrated.
Review your budget — what's working and what needs to be adjusted for Month 3?
Check in with your accountability partner. Share your progress, your struggle, and your commitment.
"His master said to him, 'Well done, good and faithful servant. You have been faithful over a little; I will set you over much.'"
— Matthew 25:23 (ESV)
If your employer offers a 401k match, make sure you're contributing at least enough to capture the full match.
Use the Retirement Readiness Calculator to see where you stand and identify your contribution gap.
Increase your retirement contribution by at least 1% this month — even small increases compound significantly.
Review your life insurance coverage using the Life Insurance Needs Calculator. Is your family protected?
Check that you have a basic will or at minimum a beneficiary designation on all accounts.
Review all insurance policies (home, auto, health) — are you over or underinsured anywhere?
Revisit your Generosity Number — can it increase even slightly now that your financial picture has improved?
Identify one person, ministry, or cause outside your church that your family will support this quarter.
Teach one financial principle from this reset to someone in your life — a child, sibling, or friend.
Do a final net worth calculation. Compare to Day 1. Name the change — no matter how small.
Write 3 financial commitments you're carrying forward from this reset into the next quarter.
Complete your Aligned commitment card — builder type, next step, generosity number, accountability partner, prayer request.
Want the full plan as a PDF?
Get the complete 90-Day Financial Reset as a printable PDF — all 12 weeks, all 36 steps, with space to write notes and track your progress offline.
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