PTLFinancial Starting Point Scorecard
Six plain-language questions. Find your starting point. Know your next step.
Welcome. There are no wrong answers here. This is not a quiz and you cannot fail. These six questions help you see where you are starting from. That is the only goal.
0 of 6 questions answered
Do you know roughly how much money comes in each month?
Do you know roughly what goes out each month?
Do you currently have any debt?
Do you have any savings set aside right now?
How do you feel about your money situation right now?
Do you have a sense of what your next money step could be?
Please answer all six questions above before getting your starting point.
Know. Do. Review.
Know
Every person starts somewhere. The three stages (Clarity, Control, and Consistency) are a map, not a grade. Knowing where you are right now is the whole point of this tool.
Do
Take the one action shown in your result. You do not need to do anything else this week. One step, done well, moves you forward.
Review
Come back in 30 days and take this scorecard again. Your answers will likely change. That change is progress. You will see it clearly.
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- Clarity Stage
- You are building a picture of where your money goes. Most people start here. This is not a problem. It is a beginning. The goal in this stage is to understand what comes in and what goes out each month.
- Control Stage
- You understand your money and are working to reduce debt and build savings. You have a basic picture of your finances. Now you are using that picture to make better decisions week by week.
- Consistency Stage
- You have a plan and are following it regularly. Your habits are formed. You are building long-term wealth and reviewing your progress on a schedule. This stage is about staying the course.
- Next Step
- The one action most likely to move you forward from where you are right now. It is not a full plan. It is just the next move. Small, clear steps taken regularly create big results over time.
- Financial Stress
- A normal feeling that usually comes from uncertainty, not from the numbers themselves. Most financial stress eases when a person has a clear picture of their situation. Clarity reduces stress, even when the numbers are not perfect.
Plan To LiveEducational guidance · Not financial advice