School of Life Hacks
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    A kitchen table at evening covered with a fanned stack of blank statements, a highlighter, a calculator and a phone, with a hand mid-note.

    What to Do With the Money

    A saving that is not moved somewhere on the day it appears is absorbed within two months. Where it goes, and in what order.

    Module 8 of 84 lessonsWritten in full1 worksheet
    Start this moduleThe whole course

    The lessons

    All 4, in the order they are read.

    1. 1. The absorption problem
      Money freed inside a current account does not stay freed; it becomes invisible spending inside two billing cycles.
    2. 2. The deductible fund comes first
      Module 5 raised your deductibles, which was only safe on the condition that the cash exists. This is where that condition is met.
    3. 3. The annual-lump trick
      Several of the charges you kept are cheaper paid annually, and the money you have freed is what lets you switch to annual billing.
    4. 4. The annual rerun
      This whole course is a ninety-minute job once a year, and the second run takes half as long because the register already exists.

    The worksheet

    Savings ledger

    One row per change you made. 'Verified on statement' is the column that matters — an agreed saving that never appeared on a bill is not a saving. Total the annual column and compare it to the fixed monthly floor you computed in Module 1.

    Savings ledger
    ChargeOld annual costNew annual costAnnual savingDate agreedVerified on statement?Where the money now goesReverts on
    EXAMPLE — replace$959.88$599.88$360.0012 MarchYes — April statementDeductible fund, automatic transfer12 March next year
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