📆 January
Welcome to your first active month of budgeting! Make sure to:
- 📄 Visit the Actual Budget App at if12.mrshay.ca
- 💰 Enter your fixed costs
- 🎲 Draw 4 unique scenario cards and update your sheet accordingly
🎓 Student Loan Decision
As January is a key semester start month, you can apply for a student loan now. Any funds not used this month will be rolled into savings for future use.