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Missions

Complicated things, in order.

Each mission is a real situation broken into steps. Tick them off, skip what does not apply, come back next week — your progress stays on your device.

Start a mission — free

Sort my money out

One pass through everything, in the order that matters.

  1. Net worth today
  2. Income and outgoings
  3. Bills and dates
  4. Subscriptions
  5. Emergency fund
  6. Debt plan
  7. Tax position
  8. Pension
  9. ISA allowance

Get out of debt

See the real picture, cut what you can, then clear it in order.

  1. List every debt
  2. Where the money goes
  3. Subscriptions you forgot
  4. Cancel what you do not use
  5. Negotiate the bills that stay
  6. Build a small buffer first
  7. Watch for fake discounts

Build an emergency fund

A cushion so one bad month does not become debt.

  1. What a normal month costs
  2. How big the fund should be
  3. Set it as a saving goal
  4. Bills that could surprise you
  5. Automate the transfer on payday

Buy my first home

Work out what is realistic, then plan the whole purchase.

  1. Where your money stands now
  2. What you actually spend
  3. Set the deposit target
  4. Monthly mortgage cost
  5. Rent or buy — the honest comparison
  6. Viewing checklist
  7. Buying and moving costs
  8. Cover for the mortgage
  9. Stamp duty on the price
  10. What a lender may offer

Review my pension

What you have, what you are on course for, and the gap — in today’s money.

  1. Where you stand today
  2. Your pension pots
  3. Project the pot (in today’s money)
  4. Check your State Pension forecast
  5. Salary sacrifice, in pounds

Move house

The admin in the order it bites.

  1. Moving plan and costs
  2. Who to tell, and when
  3. Bills to switch or close
  4. Put the dates in the calendar
  5. First jobs in the new place

Plan a trip

Everything from budget to the phrases you will need.

  1. Where and when
  2. Budget it
  3. Currency
  4. Entry requirements
  5. Weather to expect
  6. Time zones
  7. Packing list
  8. Useful phrases
  9. Put it in the calendar

Change my job

Compare properly, then decide with your reasons written down.

  1. Update the CV
  2. Tidy the profile
  3. What the salary means after tax
  4. Prepare for interview
  5. Compare the offers
  6. Cost of moving for it
  7. Make the decision, and record why

Improve my health basics

Measure where you are, then build one habit at a time. Not medical advice.

  1. Baseline measurements
  2. Weight and body
  3. Set the training plan
  4. Log the sessions
  5. Food and macros
  6. Sleep, honestly
  7. Build the daily habit
  8. Track the change

Prepare for a baby

The admin nobody warns you about, in order.

  1. What you need to buy
  2. Money before and after
  3. Protect the family
  4. Write a will
  5. Track the early days
  6. Milestones

Start something

From idea to the first real steps.

  1. Shape the model
  2. Name and domain
  3. A simple mark
  4. What to charge
  5. The documents you need

Get organised

Get the loose ends of everyday life into one place you trust.

  1. Empty your head into one list
  2. Put the important dates in
  3. Add your regular bills
  4. Sort by urgent and important
  5. Plan tomorrow in five minutes
  6. Keep key documents findable
  7. Make a backup of your workspace

Start a new job

The money and admin to get right in the first weeks.

  1. Check what your pay will be after tax
  2. Check your first payslip and tax code
  3. Understand your workplace pension
  4. Weigh up salary sacrifice
  5. Update your budget for the new pay
  6. Add the new pay date and bills
  7. Top up the emergency fund

Monthly Money Reset

Fifteen minutes each month: what came in, what went out, what is coming.

  1. Log or check last month’s spending
  2. Look at bills due this month
  3. Check subscriptions for anything to cancel
  4. Move money to your savings goals
  5. Update debt balances
  6. Take a net worth snapshot

Annual Money Check-up

Once a year: the things that quietly cost the most if left alone.

  1. Check your tax code and take-home
  2. Review your pension and State Pension forecast
  3. Use this year’s ISA allowance if you can
  4. Renewals: insurance, broadband, energy, phone
  5. Review the emergency fund size
  6. Check your will and beneficiaries
  7. Back up your Palarid workspace
Missions organise information and point to official sources such as GOV.UK and MoneyHelper. They are not financial, legal or medical advice.