Your first paycheck, in one calm place.

Paycheck	Pay date	Net pay	Unassigned
First salary	Nov 13, 2026	$2,300.00	$130.00

Bill	Amount	Paid
Rent	$1,250.00	Paid
Groceries	$250.00
Transit pass	$75.00
Phone plan	$45.00
Bills total	$1,620.00

01 · The first month

Rent, a phone bill and a first salary, all in the same week.

School taught you the job, not the money. Most first-year budgets fail quietly: one page in a notes app, one number in a banking app, and the real plan in your head.

You get paid and cannot say where it went by the 12th.
Every month you rebuild the same list from scratch.
Debt, savings and the first 90 days at work live nowhere.

02 · The idea

One workspace, not six apps.

Eight pages, connected. What comes in, what must go out, what is left, and what you are actually working towards — with the same numbers in the same place.

FILL IN ONCE

The totals carry

Change a paycheck and the bills, savings and remainder follow. No second spreadsheet.

FIRST TEN MINUTES

Nothing is empty

Start Here tells you which page to open first and which example rows to delete.

NOTION FREE PLAN

Desktop and phone

Press Duplicate and the workspace is yours. Nothing to install, nothing to subscribe to.

03 · What is inside

Eight sections. Each one page.

Numbered in the order you use them, from the first payday to the 90-day check-in.

01

Start Here

A guided first week: what to fill in, in what order.

02

Paycheck Plan

Every payday gets a job before the money lands.

03

Monthly Money Map

One month in one view: in, out, left.

04

Debt Snowball

Every balance, its rate, its place in the queue.

05

90-Day Work Reset

30 / 60 / 90-day check-ins for the new job.

06

Goals

Three goals, honest dates, the next action.

07

Weekly Plan

Five lines on Sunday, before the week starts.

08

Notes

The HR answers, dates and names you will look for again.

04 · Paycheck Plan

Every payday gets a job before it lands.

Split the number into bills, savings, debt and a limit for the rest. The page keeps the remainder — the part people call “where did it go”.

Bills linked to the paycheck that covers them.
A leftover number calculated, not guessed.
Bills, savings, debt and flexible spending in one decision.

02 Paycheck Plan — one payday, four jobs

The week your salary lands

Net $2,300 → bills $1,620, savings $250, debt $100, flexible $200, left $130.

Job	Why it exists	Amount
Bills	Rent, food, transit, phone	$1,620.00
Savings	One transfer, on payday	$250.00
Debt extra	Credit card first	$100.00
Flexible cap	The rest of life	$200.00
Unassigned	The check the page runs	$130.00

If the remainder is negative, you see it before you spend — not on the 24th.

05 · Month and debt

See the whole month. Decide the debt order once.

The Monthly Money Map puts planned against actual. The Debt Snowball keeps every balance, its rate and the one balance you are focused on — so you stop re-deciding every month.

03 Monthly Money Map

November 2026

Paydays Nov 13 + Nov 27 · expected $4,600

Category	Planned	Actual
Rent	$1,250	$1,250
Groceries	$250	$212
Utilities	$165	$148
Eating out	$285	$96
Student loan minimums	$110	$110
Planned total	$4,600	$1,748

Left to plan: $0 — every planned dollar already has a category.

04 Debt Snowball — order set once

Balances & payment history

Smallest first, or highest rate first — you choose.

Debt	Balance	Rate	Focus
Credit card	$800.00	18%	Focus
Federal loan	$4,200.00	5%	Next
University	$8,500.00	6%	Later

Payment log: $925 → $800 after the extra $125. The next balance-check date is in the same row.

06 · Work and weeks

The first 90 days at work, and the Sunday that resets the week.

A new job is its own project: milestones, the people you need to know, and 30 / 60 / 90-day check-ins. Then five lines on Sunday, so Monday does not decide for you.

Milestones with a window, a deliverable and a target date.
The people you met, what they own, what to follow up.
A weekly reflection short enough to actually finish.

05 90-Day Work Reset · 07 Weekly Plan

Work milestones

30 / 60 / 90 days from your start date

Milestone	Window	Target date	Done
Learn the core tools	Days 1–30	Dec 4	Done
Own one small project	Days 31–60	Jan 3

Weekly plan & reflection · week of Nov 16

What moved this week	First paycheck plan set; rent scheduled
What did not	Savings transfer still manual
Next week's one thing	Move $250 on payday

07 · Who it is for

Built for the first year. Not for everyone.

The planner organises the numbers you give it. The decisions stay yours.

Yes, if

You started your first full-time job in the last 18 months.
You have a paycheck, a rent payment and no system.
You already use Notion, or you can press Duplicate.
You want one place, not six apps.

Not if

You want investment advice, tax help or a debt payoff promise.
You want an app connected to your bank account.
You are looking for a budget that fills itself in.

08 · How it works

Buy it, duplicate it, give it ten minutes.

No account to create beyond Notion, no installation, no subscription.

STEP 01

Buy, then open the link

The Notion link is in your receipt, next to the 3-page start PDF.

STEP 02

Press Duplicate

The whole workspace — all eight sections — copies into your own Notion.

STEP 03

Start with 01 · Start Here

Ten minutes on the first page tells you which example rows to replace.

$12one-time

Less than two coffees, for the year your money habits get set.

Gumroad handles checkout, files and refunds. Reply to your receipt within 30 days if it is not for you.

Get the planner · $12 or try the free 3-page starter first

The full Notion workspace — 8 connected sections
The 3-page start PDF, to print or read on paper first
One payment of $12 — no subscription, no upsell
Lifetime access to future updates of this planner
Works on Notion's free plan, desktop and phone

Free · 3 pages

Try the idea on paper first.

The cover, a start-here page and a payday worksheet from the planner. Printable worksheets you write in by hand — no Notion account needed.

Email me the 3 free pages

Free on Gumroad. You enter your email once at checkout and the PDF is sent to your inbox — no card, no subscription.

Proof · not a mockup

Two pages, captured as they ship.

Taken straight from the Notion workspace, not redrawn. Every number in them is an example you can edit or delete.

Debt Snowball page from the planner, with three balances, a focus balance and a payment log — 04 · Debt Snowball — balances, rates and the payment log.

90-Day Work Reset page from the planner, with milestones and the people you meet — 05 · 90-Day Work Reset — milestones and the people you meet.

Questions

The short answers.

Anything else, reply to your receipt — a person reads it.

Do I need a paid Notion plan?

No. A free Notion account is enough, on desktop and phone.

Is this a subscription?

No. One payment of $12, yours to keep, including future updates of this planner.

The rows already have numbers in them.

Those are examples so the pages are not empty on day one. The Start Here page tells you exactly which ones to replace or delete.

Will it tell me how to save or pay off debt?

No. It organises the numbers you give it — what came in, what must go out, what is left, and the order you picked. It is a planner, not financial advice.

What if it is not for me?

Gumroad handles refunds — reply to your receipt within 30 days.