A focused 12-week money reset in Google Sheets

I will start when the month is perfect.

The Money Lock-In

Make a clear plan for three focus months, then use a bonus month to keep what works. Track your income, spending and one goal without waiting for the perfect time to start.

Buy the planner for £9£9 one-time · editable Google Sheets copy · Google account required

The Money Lock-InMonth 01

YOUR DASHBOARDSee what your money is doing.

Income£2,450

Expenses£1,720

Progress68%

Lock-In GoalBuild the bufferKeep going

DashboardIncomeExpensesGoals

What you get for £9

A clear place to start.

Five working tabs

Start Here, Dashboard, Income, Expenses and Lock-In Goals take you from setup to review.

Three months, then a bonus

Choose the months that fit your life and use the fourth month to keep, repeat or test what works.

One goal you can see

Set one money goal and check whether your monthly actions are moving you towards it.

Your own editable copy

Make a copy in your Google account, keep it for personal or household use and work through it in your own time.

Best for one person or a household planning a focused money reset. It can also hold a simple side-hustle cash view; it is not bookkeeping, tax or investment advice.

Why three months, then a bonus?

Long enough to change something. Short enough to stay honest.

The focused period is inspired by the 12 Week Year. Instead of treating a whole year as one distant deadline, you choose three months from January to December and give them a clear job. That is enough time to see patterns, make different decisions and build momentum you can actually measure.

The fourth month is your bonus. Use it to keep going, repeat what worked or test what needs changing. If the numbers have moved, you can see why. If they have not, you now have evidence of what to work on next.

The real planner

See what your money reset looks like.

These are real pages from the planner. The five tabs are designed to take you from setup to review, and your copy is editable so you can choose the months and numbers that fit your life.

The Money Lock-In Start Here sheet with month selectors — Choose your three focus months and your bonus month.

The Money Lock-In dashboard sheet — See planned and actual income, expenses and goal progress together.

The Money Lock-In goals sheet — Set one goal, its monthly contribution and what you want to protect.

Buy the planner for £9

Inside the planner

Everything has a job.

Start Here

Choose any three focus months from January to December, then choose your bonus month.

Dashboard

See the headline numbers and progress from one clear place.

Income

Track money coming in from work, a household or a side hustle.

Expenses

See where your money is going, including the treat you planned on purpose.

Lock-In Goals

Name what you are working towards and check whether your actions match it.

Your months, your money

Start when you decide to start.

You choose any three focus months from January to December. The planner is not tied to a launch date, a season or somebody else's timeline. You choose your bonus month too, and can change any of them later if life changes.

Use it for your own finances or shared household planning. You can also use it for a simple side-hustle cash view, but it is not designed to replace bookkeeping or tax software.

One intentional treat each month

Choose something small that fits your budget and plan it on purpose.

Locking in should not make life joyless. Decide what an affordable treat looks like for you, give it a limit and include it in your plan. Then you can enjoy it without guilt or pretending the spend did not happen.

For me, that might mean visiting B&Q, Homesense or TK Maxx once a month and treating myself if I find something I love for £5.

Pick a goal because it sounds sensible.

Know why you are locking in.

If you already know what matters and what the money is for, brilliant. If you do not, Meet Yourself Off Script can help you work that out before you turn it into a target.

Before you buy

Useful answers.

What do I receive?

A four-month Google Sheets planner with Start Here, Dashboard, Income, Expenses and Lock-In Goals tabs. After payment, you will be taken to a page where you can make your own editable copy.

Do I need a Google account?

Yes. You need to be signed into a Google account to make and save your own copy.

Can I choose different months?

Yes. Choose any three focus months from January to December, then choose your bonus month. You can change any of them if your plans change.

Can a couple use it?

Yes, for shared household planning. It is designed for one person or a household, and one purchase is for personal or household use only. It is not a bookkeeping, tax or investment tool.

Is this a full budget or debt planner?

No. The Money Lock-In is a focused four-month planner for understanding your money and working towards one goal. It does not provide debt payoff calculations, tax guidance or investment advice.

What if I cannot access it?

Email hello@chikumofiseko.com and include the email address used at checkout.

The Money Lock-In

Choose your three months. Give them a job.

Then use the bonus month to show yourself what can continue.

Buy the planner for £9£9 one-time. Any applicable tax is shown at checkout before payment. This is a digital product for personal or household use. Access begins immediately after payment. Because delivery is immediate, change-of-mind refunds are not offered after access begins. Your statutory rights still apply if the product is faulty, inaccessible or not as described.

The Money Lock-In · £9Buy planner