MONEY
Money overview
Monthly spendingAdd later
SavingsAdd later
Upcoming costsAdd later
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PRESENT / FUTURE
Life
Money, important plans and the things outside university that are worth keeping visible without turning the page into another endless to-do list.
NOW
Important soon
Anything outside university that needs attention this week or month can live here.
PLANS
Next 12 months
Graduation, applications, where to live, travel, purchases and decisions that are approaching.
FUTURE
Longer-term direction
A place for the bigger picture without pretending every future decision is already fixed.
GOALS
Things worth doing
Keep a short list of the goals that actually matter.