Additional income reduces fragility, but only after your main income and basic savings are stable. Three half-built projects usually earn less than one competent one.
Part 01
The lesson
Sequence it: stabilise, master one source, then extend into something adjacent to what you already do well.
Reflection
Questions to sit with
- 01Do you know exactly what you spent last month, or are you estimating?
- 02If your income stopped today, how long could your household continue?
- 03What are you actually building toward financially, and by when?
Put it into practice
Action points
- 01Track every expense for 30 days and categorise them at the end. Do not change your spending in week one — just observe.
- 02List every debt with its interest rate on a single page and choose a repayment order.