Strategic Roadmap - Q2 2015

Mission

Desired Future

"Financially Stable after having our first child..."

Future to Avoid

"Continuing in debt and devoting my future earnings to intrest payments…"

Objectives

1

Increase Monthly Debt Payments to 20% of Net Income through the End of Q2

2

Use Debt Avalanch to Focus Efforts Debt repayment and Lower Intrest

3

Make Case for promotion and set a meeting with supervisor in the next 30 days

Financial Changes

Target Free Cash Flow

17.1% | $3,892

Income Statement & Cashflow

Action Item

Change

Logic

Income

+$5,000

Promotion

Income Tax

($1,339)

Promotion

Car Loan

($2,135)

Debt Acceleration

Free Cashflow

+$1,526

All Changes

FCF %

+3.8%

All Changes

Balance Sheet

Action Item

Change

Logic

Cash

+$1,379

FCF - Projects

Debt

($3,843)

Extra payments

Projects

($2,513)

Selected Projects

Networth

+2,709

All Changes

Capital Budget

Capital Expense

Cost ($)

Time (Hrs)

PRIORITY

Build a Crib

$500

120

High

Packing  Materials

$750

25

High

Car Tires

$703

0

High

Photography  Parts

$350

0

Medium

Camera Bag

$210

0

Low

Total Budget

$2,513

145
‍

Strategic Roadmap - QTR___ Year____

Mission

Desired Future

__________________________________
__________________________________

Future to Avoid

______________________________________
______________________________________

Objectives / Key Results

1

_____________________________________________________________

2

_____________________________________________________________

3

_____________________________________________________________

Financial Changes

Target Free Cash Flow

________%| $________

Income Statement & Cashflow

Action Item

Change

Logic

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

Free Cashflow

_______

All Changes

Balance Sheet

Action Item

Change

Logic

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

___________

_______

____________

Capital Expenses

________

Selected CAPEX

Networth

________

All Changes

Capital Budget

Capital Expense

Cost ($)

Time (Hrs)

PRIORITY

_______________

_______

______

______

_______________

_______

______

______

_______________

_______

______

______

_______________

_______

______

______

_______________

_______

______

______

_______________

_______

______

______

Total Budget

_______

______
‍

One‑Look Dashboard – Plan vs Actuals

Plan vs Actuals Dashboard

Rolling 31‑Day View (as of 2025‑06‑03)

MISSION
Future to Avoid
“Continuing in debt and devoting my future earnings to interest payments…”
Desired Future
“Financially stable after having our first child…”
OBJECTIVES – Status
  1. ● Increase Monthly Debt Payments to 20 % of Net Income through the End of Q2
  2. ● Use Debt Avalanche to focus repayment and lower interest
  3. ● Promotion obtained (met with supervisor)
INCOME STATEMENT – Plan vs Actual (Rolling QTR)
Line ItemPlan ($)Actual ($)Variance
Income
 Income – Andrew17,500.0314,000.02▼ 3,500.01
 Income – Michelle5,200.005,200.00—
 Income – Dividends150.00150.00—
Gross Income22,700.0319,350.02▼ 3,350.01
Taxes & Pre‑Tax
 Tax(4,686.41)(3,749.13)▲ 937.28
 Health(789.00)(789.00)—
Pre‑Tax Deductions(5,475.41)(4,538.13)▲ 937.28
Recurring Expenses
 Rent(3,600.00)(3,600.00)—
 Giving(1,353.06)(1,353.06)—
 Car Loan(2,884.72)(2,711.64)▲ 173.08
 Student Loans (sum)(1,685.57)(1,685.57)—
 Utilities & Phone(1,410.06)(1,410.06)—
Recurring Expenses Total(10,730.41)(10,357.33)▲ 373.08
Category Expenses
 Food(1,625.00)(1,750.00)▼ 125.00
 Clothes(195.00)(100.00)▲ 95.00
 Travel(135.00)(150.00)▼ 15.00
Category Expenses Total(2,602.60)(2,537.60)▲ 65.00
FREE CASH FLOW3,891.612,199.97▼ 1,691.64
FCF %17.1 %15.0 %▼ 2.1 pp
BALANCE SHEET – Plan vs Actual
Line ItemPlan ($)Actual ($)Variance
Assets
 Cash & Savings6,8926,892—
 Emergency Fund1,0001,000—
 Camera Equipment4,5004,500—
 Dividend Stocks2,0002,000—
 Cars (combined)7,0007,000—
Total Assets21,39221,392—
Liabilities
 Car Loan(3,608)(3,608)—
 Student Loans(34,294)(34,294)—
Total Liabilities(37,902)(37,902)—
NET WORTH(16,510)(16,510)—
CAPITAL BUDGET – Status
ProjectPlan Cost ($)Actual Spent ($)Status
Build a Crib500500Complete
Camera Bag2100Not Started
Car Tires703703Complete