Expense Audit 101: Where Your Money’s REALLY Going

Your Money is Sneaking Out the Back Door—Let’s Catch It

Let’s keep it real—your bank account isn’t lying, but it might be keeping secrets. If you’ve ever checked your balance and thought, Where did my money go?—you’re not alone. The silent budget killers? Subscription traps, convenience splurges, and impulse buys.

💡 Savvy Sol Insight: Wealthy people manage what they have like it’s already millions. That’s the game.

The Real Problem: Money Leaks You Don’t Even See

Inflation is hitting hard, groceries are higher than your last braid install, and yet, somehow, those little daily swipes keep adding up. The problem isn’t how much you make—it’s how much you keep.

Here’s the tea:

• The average person underestimates their spending by 20-30%.
• 80% of Americans have at least one subscription they forgot about.
• Banks made $34 billion in overdraft fees last year—yours doesn’t need another donation.

The Fly Savvy Sol Expense Audit Challenge

🕵🏾‍♀️ Step 1: Pull Up the Receipts

• Check your last 90 days of transactions (yes, all of them). Identify any patterns, unnecessary charges, or sneaky auto-payments.
• Use free tools like Rocket Money or Mint to categorize your spending.

📌 Step 2: The 3-Category Cut

• Find 3 expenses you can cut or negotiate. Some ideas:
  • Unused subscriptions
  • High-interest debt (time to refinance or pay down)
  • Overpriced grocery runs and fast food (yes, Trader Joe’s is cute, but can we meal prep?)

📊 Step 3: Redirect Those Coins

• Take the money you save and automate it into a high-yield savings account or your investment portfolio.
• Want to make it fun? Start a ‘Wealthy Woman’ challenge with your friends—who can save the most in 30 days?

How Black Women Are Flipping the Script on Financial Freedom

Did you know Black women are three times more likely to start a side hustle but still struggle with funding? That’s because traditional finance wasn’t built for us—but that doesn’t mean we can’t play to win. Controlling your cash flow is the first step to investing, building multiple streams, and securing your freedom.

Daily Affirmation: Money Flows to Me Because I Respect It

🪞 Write this on your mirror or sticky note:
💰 “I tell my money where to go. I respect my finances, and wealth flows effortlessly to me.”

🔊 Say it out loud every morning. Feel it. Believe it. Let’s rewire that money mindset.

Set Up Your Personal Financial Check-Up

Think you might be leaving money on the table? Our team can help you spot hidden leaks, optimize your budget, and craft a financial strategy that aligns with your wealth-building goals. Schedule a free personal financial check-up with Fly Savvy Sol today and start making your money work smarter!