If the economy crashed tomorrow... would you know your financial safety number?

Dear Fellow Financial Freedom Seeker,

Between constant headlines about recession risks, rising bills, and job market uncertainty — it’s easy to feel powerless.

But here’s the truth:
💡 You can’t control the economy, but you can control your money.

This week’s One Simple Step is about doing just that

✅ Calculate your Minimum Spend to Live Off

This is the bare minimum amount you need each month to keep life going — without luxuries, just essentials.

Here’s how to calculate it:

1. Rent/Mortgage

2. Utility bills (energy, water, broadband)

3. Groceries (realistic basic spend)

4. Transport (fuel, travelcard, insurance)

5. Debt repayments (minimum payments only)

6. Childcare/essential family costs

7. Any other fixed, essential bills

Add those up = your Minimum Monthly Spend.

Knowing this number gives you peace of mind. It’s your financial safety net — your baseline to build confidence, reduce stress, and make clear-headed decisions even when the economy wobbles.

👉 Next week, I’ll show you what to actually do with this number — and how to build a buffer around it.

🎯 But if you’re ready to take control right now…

My Budget Breakthrough Group Coaching is where I guide you step-by-step through building a budget that doesn’t collapse under pressure — no matter what the headlines say.

⚠️ Doors close in just 24 hours — this round won’t reopen soon.
You’ll learn how to:
✔️ Take the stress out of money management
✔️ Build a realistic budget tailored to your lifestyle
✔️ Create stability and space to enjoy life

💥 Join the Budget Breakthrough before it’s gone → Click here to secure your spot

Til next time,

Pernia | Your Finance Travel Buddy

P.S. This isn’t about cutting every cost. It’s about knowing your foundation so you can build wealth on solid ground — even when times are uncertain.