the 30-day money cleanse
TRANSCRIPT
The
30-Day
Money
Cleanse
A
Step-by-Step
“Detox Diet”
For Your
Finances
Day 1: Track Down Your Money
Day 1: Track Down Your Money
Make a list of all
your financial
institutions,
accounts, and
logins.
Day 2: Identify Your Financial Goals
Day 3: Discover Your Net Worth
Day 3: Discover Your Net Worth
Net Worth = What You OWN – What You OWE
Day 3: Discover Your Net Worth
Pro Tip:
Use a free tool
like Mint or
Personal
Capital.
Day 4: Find How Much You
(Actually) Make
Day 5: Find How Much You
(Actually) Spend
Day 6: Calculate Your Monthly Profit
Day 6: Calculate Your Monthly Profit
What’s your
personal
bottom line?
Day 7: “Bucket” Your Spending
Day 7: “Bucket” Your Spending
Put everything into
1 of 2 categories:
1.Fixed
2.Discretionary
Day 8: Rank Discretionary Spending
Day 8: Rank Discretionary Spending
Of everything in
the Discretionary
column, which
ones brought you
the most joy?
Day 9: Emergency Fund Check Up
Day 9: Emergency Fund Check Up
Do you have 6-12
months of fixed
living expenses in
savings?
Day 10: Savings Interest Check Up
Day 10: Savings Interest Check Up
Day 10: Savings Interest Check Up
Day 10: Savings Interest Check Up
Is your emergency
fund is sitting in a
low-interest
checking account?
Day 10: Savings Interest Check Up
Day 10: Savings Interest Check Up
Consider moving it
to a higher interest
savings account
like CapitalOne360
or Ally.
Day 11: Deploy Idle Cash
Day 11: Deploy Idle Cash
If you have more than
12 months of living
expenses saved up,
put that money to
work for you.
Day 11: Deploy Idle Cash
Consider a service
like Betterment or
dividend investing for
cash flow.
Day 12: Refinance High Interest Debt
Day 12: Refinance High Interest Debt
For example, the
average SoFi member
saves over $22,000
on their student
loans.
Day 13: Max Out Your 401(k)
Day 13: Max Out Your 401(k)
Day 14: Sell Something From Your
Attic or Garage
Day 15: Take a Break
Day 15: Take a Break
You’re halfway there!
Visit
SideHustleNation.com
for more details on all
of these steps.
Day 16: Meal Plan
Day 16: Make a Meal Plan
Day 17: Re-examine “Memberships”
and Subscriptions
Day 18: Join Ebates
Day 18: Join Ebates
Ebates is a free site
that pays you cash
back when you shop
online.
Day 18: Join Ebates
They’ll even give you
a free $10 bonus
just for signing up.
Day 19: Set Up Auto-Payments
Day 19: Set Up Auto-Payments
Avoid late fees and
interest charges.
Day 20: Take Inventory of Your Skills
Day 20: Take Inventory of Your Skills
For inspiration,
browse the
categories at
Fiverr.com.
Day 21: Post Your Gig
Day 21: Post Your Gig
Other people are
making money from
these skills.
Why not you?
Day 22: Take a Dip in
the Sharing Economy
Day 22: Take a Dip in
the Sharing Economy
Here are 200+
ways to make
extra money in
“peer-to-peer”
commerce.
Day 24: Subscribe to The
Side Hustle Show
Day 24: Subscribe to
The Side Hustle Show
Day 24: Subscribe to The
Side Hustle Show
Day 24: Subscribe to
The Side Hustle Show
The “Best Business
Podcast”-nominated
show will help you
build job-free income
streams every week.
Day 24: Subscribe to The
Side Hustle Show
Day 24: Subscribe to
The Side Hustle Show
Just search “side
hustle” in any
podcast app and
hit the “Subscribe”
button.
Day 25: Find Your Rat Race
Freedom Number
Day 25: Find Your Rat Race
Freedom Number
This is the bare
minimum side
income you need
to quit your job.
Day 26: Start Rolling Your Side
Hustle Snowball
Day 26: Start Rolling Your
Side Hustle Snowball
Day 26: Start Rolling Your Side
Hustle Snowball
Day 26: Start Rolling Your
Side Hustle Snowball
This is how you
can “erase” your
expenses one-by-
one with new
income streams.
Day 27: Get Some Free Money
from a Bank
Day 27: Get Some Free Money
from a Bank
1% cash back is boring.
Especially when you
earn 20-50% cash
back on credit card
spending with
sign-up bonuses.
Day 27: Get Some Free Money
from a Bank
Check out
ThePointsGuy.com
for the best current
offers.
Day 28: Set Monthly and Quarterly
Financial Check Ups
Day 29: Make a Donation to Charity
Day 30: Treat Yourself!
Liked this 30 Day
Money Cleanse?
Please share it to
help spread the
word!
NICK LOPER
Side
Hustle
Nation.com
@nloper