90-Day Action Checklist

Before you start

Put day 90 in the calendar now. A plan with an end date gets finished; a plan without one becomes a hobby.

Know what you have

• Complete the household balance sheet (Worksheet 01).
• List every account, holding and policy — including the ones you have forgotten.
• Record where each one is held and who to contact about it.
• Note anything you could not value, and why.
• Photograph or scan proof of ownership for anything physical.

Decide the shape

• Fill in the allocation framework (Worksheet 02) with today's actual split.
• Write the split you want, and the gap between the two.
• Set exit rules in writing, while nothing is happening (Worksheet 05).
• Document storage and custody arrangements (Worksheet 04).
• Check what your insurer actually covers for anything held physically.

The energy audit

• Walk every room with the energy survey (Worksheet 06).
• Rank the fixes by payback period, not by cost.
• Do every fix with a payback under twelve months.
• Book quotes for anything above that. Do not commit yet.
• Record the baseline reading so you can measure the difference later.

Food, debt and cover

• Complete the pantry inventory (Worksheet 07).
• Run the unit-cost comparison on your ten most-bought items (Worksheet 08).
• Build the debt ladder (Worksheet 09) and rank by interest rate, not balance.
• Work through the refinance decision for the top two (Worksheet 10).
• Audit every policy for overlap and double cover (Worksheets 11–12).

Build the dashboard

• Find and bookmark the source for each of the five indicators.
• Write down the publication date for each.
• Record the first month of readings on the Signal Dashboard.
• Read one full release end to end, not a summary of it.
• Fix your monthly review day in the calendar, repeating.

Close the loop

• Complete the monthly budget worksheet with real figures (Worksheet 13).
• Re-run the balance sheet and compare against Week 1.
• Write down what actually changed, in numbers.
• Diarise the maintenance checklist — quarterly, not annually.
• Decide the one thing you will carry into the next ninety days.

Maintenance — every quarter, permanently

The whole system decays quietly around month four. This page is the defence. Fifteen minutes, four times a year.

• Re-run the balance sheet. Compare against last quarter.
• Check the five indicators for any drift you missed month to month.
• Re-read your exit rules. Do you still agree with them while calm?
• Review any policy that renewed since the last check.
• Scan for new recurring charges — they accumulate silently.
• Confirm your documentation is still where you think it is.