The 30-60-90 Day Money Recovery Plan
Your step-by-step roadmap to stop the bleeding and start building wealth.
Days 1-30
Emergency Financial Triage
Week 1: Immediate Damage Assessment
- Track every expense for 7 days using Prosperi
- List all subscriptions and calculate monthly recurring costs
- Check all bank accounts for fee structures and hidden charges
- Screenshot current rent, insurance, and major monthly expenses
Week 2: Quick Win Implementation
- Cancel unused subscriptions immediately (save $50-$200 monthly)
- Switch to no-fee banking if paying monthly account fees
- Negotiate cell phone bill or switch to MVNO provider
- Set up automatic alerts for account balances
Week 3: Cost Reduction Execution
- Contact insurance providers for quote comparisons
- Research cheaper grocery stores and price-matching policies
- Eliminate food delivery apps from phone
- Set up automatic transfers to savings ($50-$200 monthly)
Week 4: System Foundation Building
- Create basic monthly budget using 50/30/20 rule
- Open high-interest savings account for emergency fund
- Research investment options for surplus money
- Plan next month's spending using week 1 tracking data
Days 31-60
Habit Formation and Optimization
Weeks 5-6: Transportation Optimization
- Calculate true cost of car ownership vs. alternatives
- Research public transit options and monthly pass costs
- Consider carpooling, bike commuting, or relocation
- Negotiate remote work options to reduce commuting
Weeks 7-8: Housing Strategy Development
- Research rental market for potential moves or negotiations
- Calculate costs of staying vs. moving including hidden fees
- Explore roommate options or house-sharing opportunities
- Plan for next lease renewal with market research
Days 61-90
Long-term Wealth Building Setup
Weeks 9-10: Investment Foundation
- Open TFSA and RRSP accounts with low-fee providers
- Start automatic investing with $100-$500 monthly
- Research employer matching programs and maximize contributions
- Learn basic investment principles through books and courses
Weeks 11-12: Income Optimization
- Update resume and LinkedIn profile for salary negotiations
- Research salary ranges for your position in your city
- Apply for internal promotions or external opportunities
- Develop side income streams aligned with your skills
Track your progress with Prosperi and plug the 47 money drains.