2026 Money Tracker Worksheet 4 of 4

Money Tracker Worksheet

Form 4 of 4 — The Action Page

The worksheet where everything comes together.

The Money Tracker helps you apply Velocity Banking one pay period at a time—without spreadsheets, overwhelm, or perfection. Instead of guessing where your money went, you’ll see it clearly:

• What must stay in checking
• What gets paid to your credit card
• What you actually spent
• And how much your balance went down this pay period

This is intentional money management.

What This Worksheet Does

✔ Separates your money into Park It (checking) and Chunk It (credit card)

✔ Shows exactly what must be paid from checking

✔ Tracks what you spend during the pay period

✔ Makes interest visible

✔ Calculates how much you actually paid down your balance

✔ Reduces anxiety - gives every dollar a clear job

How It Works (Simple Overview)

Left side — PARK IT

This is for bills that must be paid from checking (rent, utilities, auto-draft bills).

You decide what money stays put.

Right side — CHUNK IT / SPEND IT

This tracks what you put on your credit card during the pay period—ideally as little as possible.

At the bottom, the worksheet walks you through:

• How much you paid to your card
• How much you spent
• How much your balance actually went down

Who This Is For

This worksheet is perfect if you:

• Feel anxious every time payday hits
• Don’t trust yourself with “mental math”
• Want to use Velocity Banking without fear
• Need structure but not restriction
• Want proof that what you’re doing is working

You do not need to be “good with money.”

You just need one pay period and a pencil.

What You’ll Receive

📄 1 printable PDF worksheet

🖨️ Use it every pay period

🔁 Reusable, simple, and repeatable

This is Form 4 of 4 in the Debt Clarity system and is designed to be used after completing the earlier worksheets.

Important Note

This worksheet is a tool, not a rulebook.

There’s no failing here—only clarity.

You’re not behind.

You’re learning how money actually moves.