The 850 Blueprint: Before You Borrow

Before you swipe, borrow, or split a purchase into payments, check what fits your budget. Before You Borrow is a six-page printable guide by Kenya Belcher that helps you avoid unnecessary debt and plan ahead for bigger bills.

Inside you’ll find a before-payday spending worksheet, a buy now, pay later example, a savings plan for predictable expenses, and a script for calling a bill provider when money is tight. A 30-day worksheet helps you put those habits into practice.

Includes one downloadable PDF you can print at home.