1
Paycheck+$2,700
Rent−$1,650
Financial clarity, not financial perfection
Make change. Start with a plan.
A personalized financial plan built around your real income, spending, debt, and goals — so you can see where you stand and know what to do next.
Personalized and confidential
Built around your real numbers
Practical guidance, without judgment
The framework
90 days back. Today. 90 days forward.
This is the thinking behind every plan. The Financial Clarity Plan below is how you actually get one.
Reviewed
90 days back
I review your recent transactions, spending patterns, and cash flow to understand what's actually been happening with your money.
Right now
Today
I bring your income, cash, savings, debt, monthly obligations, and priorities together into one clear picture.
Planned
90 days forward
I build a realistic budget and week-to-week cash-flow plan around the next three months of your life.
What you actually get
Your finances, organized into one clear plan.
Two tools you can keep using after we're done.
Google Sheets workbook
Your personalized financial workbook
Your personalized Google Sheets workbook is built around your real numbers, giving you one place to understand and manage your budget, spending, debt, and upcoming cash flow.
PDF
Your 90-Day Action Plan
A personalized PDF that turns what we uncover into clear priorities, next steps, and actions you can work through over the next 90 days.
Here's a look at what your workbook can include. The examples below use a fictional sample household, not real client results.
01
Your Dashboard
See what's available to spend, how this week is going, and what's coming up.
Checking Balance
$3,480
As of Oct 8, 2026
● Manually updated balance
Still Committed
$1,485
Bills & obligations ahead
Available to Spend
$1,995
After upcoming commitments
✔ Available after commitments
This Week’s SpendingWeek 2 · Oct 4–10
Groceries$96 of $150
Dining out$38 of $50
Fuel / gasoline$38 of $40
Household & personal$18 of $60
WEEK 2:Planned $300|Actual $190•+$110 Under budget
Upcoming Scheduled Expenses
Next 10 days of checking commitments
Oct 12
Utilities & internet
$240
Oct 15
Student loan payment
$210
Oct 16
Savings transfer
$400
Total Scheduled Ahead
$850
Can I Afford This?
Simulate an upcoming purchase
Purchase description
Weekend trip
Amount
$450
Purchase date
Oct 13
✔ Fits projected cash flow
Projected balance on Oct 13: $2,790
Lowest projected balance: $2,790 on Oct 13
02
Where You Stand Today
See your cash, savings, debt, income, commitments, and financial cushion in one place.
Cash on Hand
$3,480
Total Savings
$1,200
Total Debt
$25,700
Monthly Take-Home
$5,400
Monthly Commitments
Your major fixed expenses and required payments each month.
| Expense | Monthly amount |
|---|---|
| Rent | $1,650 |
| Car payment | $345 |
| Other commitments | $740 |
| Total Committed Monthly | $2,735 |
Financial Cushion
A look at your available cash compared to a target cushion.
Current Cash on Hand
$3,480
Target Cash Buffer
$2,735
Difference
+$745
03
Where Your Money Is Going
Understand your average spending based on the last 90 days.
Total 90-Day Spending
$12,294
Average Monthly Spending
$4,098
Your Spending Baseline
Category
90-day actual
Average month
Housing
$4,950
$1,650
Transportation
$1,923
$641
Groceries
$2,022
$674
Dining out
$753
$251
All other spending
$2,646
$882
Total
$12,294
$4,098
What this tells you
These numbers show what you have been spending, on average, each month, based on your actual transactions from the last 90 days.
04
Your Monthly Plan
Compare what you planned to what actually happened across spending and income.
Start balance
$1,942
End balance
$2,810
Saved this month
+$868
Expenses
| Category | Planned | Actual | Diff. |
|---|---|---|---|
| Rent | $1,650 | $1,650 | $0 |
| Groceries | $650 | $688 | −$38 |
| Dining out | $220 | $262 | −$42 |
| Fuel / gasoline | $180 | $171 | +$9 |
| All other expenses | $1,735 | $1,761 | −$26 |
| Totals | $4,435 | $4,532 | −$97 |
Income
| Source | Planned | Actual | Diff. |
|---|---|---|---|
| Paycheck 1 | $2,700 | $2,700 | $0 |
| Paycheck 2 | $2,700 | $2,700 | $0 |
| Totals | $5,400 | $5,400 | $0 |
Planned vs actual
Expenses
Planned
$4,435
Actual
$4,532
Income
Planned
$5,400
Actual
$5,400
05
Your Debt Map
See every debt organized with the numbers that matter.
Total Debt Balance
$25,700
Total Minimum Monthly Payments
$725
Highest APR
22.9%
Number of Debts
4
| Debt / Creditor | Debt type | Current balance | APR | Minimum payment | Due date | Possible approach |
|---|---|---|---|---|---|---|
| Credit Cards | ||||||
| Rewards credit card | Credit Card | $3,800 | 22.9% | $95 | 22nd | Highest APR — consider prioritizing |
| Loans | ||||||
| Auto loan | Auto Loan | $11,400 | 6.4% | $345 | 20th | On track at current payment |
| Student loan | Student Loan | $9,600 | 5.1% | $210 | 15th | Steady autopay — no change needed |
| Other Debts | ||||||
| Medical payment plan | Medical Debt | $900 | 0% | $75 | 25th | Fixed plan — pay as scheduled |
06
Your Monthly Cash Flow
See when money typically comes in and when it goes out.
Sun
Mon
Tue
Wed
Thu
Fri
Sat
2
3
4
5
6
7
8
9
10
11
12
Utilities−$240
13
14
15
Paycheck+$2,700
Student loan−$210
16
Savings−$400
17
18
19
20
Car payment−$345
21
22
Card minimum−$95
23
24
25
Medical plan−$75
26
27
28
Car insurance−$120
29
30
31
Weekly Cash Flow Summary
| Week | Money in | Money out | Net |
|---|---|---|---|
| Week 1 | $2,700 | $1,780 | +$920 |
| Week 2 | $0 | $300 | −$300 |
| Week 3 | $2,700 | $1,150 | +$1,550 |
| Week 4 | $0 | $740 | −$740 |
| Week 5 | $0 | $465 | −$465 |
| Month Total | $5,400 | $4,435 | +$965 |
Calendar shows paychecks and scheduled bills. In this sample, weekly Money Out also includes everyday spending.
Sample data shown for illustration. Your workbook is built from your own information and updated by you. It isn't connected to your bank account.
The Financial Clarity Plan
Your plan, built with you over 2–3 weeks.
We don't just hand you a spreadsheet. We review your finances together over three meetings, build the plan around your situation, and make sure you understand how to use it.
After your free consultation, if you'd like to move forward, you'll sign a simple service agreement, pay your invoice, and use a secure upload link to send your questionnaire and requested financial documents.
1
Preliminary review
2–3 business days
Once your questionnaire and documents are in, I review your income, spending, debt, and cash flow and prepare the areas we need to talk through.
2
Financial Discovery meeting
30–45 minutes
We talk through what I found, fill in any missing context, and make sure the plan reflects what actually matters to you.
3
Financial Clarity meeting
60–75 minutes
I build your personalized Google Sheets workbook from what we've covered, then we walk through it together — your Dashboard, spending, monthly plan, debt, cash flow, how to use it day to day, and the changes worth considering.
4
Time to review
5–7 days
With your workbook in hand, you get time to sit with everything, use the workbook, think through your options, and note anything you want to revisit before we finalize your plan.
5
Final Make Change meeting
30–45 minutes
We answer your remaining questions, make reasonable adjustments, and confirm the priorities and next steps you want reflected in your personalized 90-Day Action Plan.
Typically 2–3 weeks from document submission to your finished plan.
Your timeline begins once your completed questionnaire and requested financial documents have been received. Timing may vary based on meeting availability.
You leave with your workbook + 90-Day Action Plan.
Your numbers organized in one place, plus a clear PDF roadmap with specific steps you can check off as you make progress.
Optional
Keep the plan moving.
Your financial life won't stay exactly the same after your plan is finished. Check-Ins are optional follow-up sessions for when something changes, like a new paycheck, an unexpected bill, or a big purchase you're weighing, or when you want help adjusting your plan.
During a check-in, we can:
- Compare what you planned with what actually happened in your workbook
- Review upcoming bills, paychecks, expenses, or financial changes
- Adjust your week-to-week cash-flow plan when needed
- Talk through questions or financial decisions that have come up
- Set your priorities for what to focus on next
The goal isn't to make you dependent on check-ins. Your plan is built for you to use on your own — these sessions are simply here when you want additional support.
Single check-in
$75
30–45 minutes
Two check-ins
$140
30–45 minutes each
Available to Financial Clarity Plan clients whenever you want additional support. No subscription or recurring meetings.
The plan is for the life you're building next.
Sometimes life changes faster than your finances can keep up. A new household, different bills, debt, or simply realizing your old system isn't working anymore can leave you unsure where to begin. Make Change helps you sort through what's changed and build a plan you can actually use.
Meet the founder
Hi, I'm Raul.
Make Change really started with me trying to make sense of money in my own life.
I had studied finance, but managing money in real life was different. There were bills to plan around, debt to work through, student loans, savings goals, and the constant question of what we could actually afford without putting ourselves in a worse position.
At the same time, I had seen what money could look like when life changed unexpectedly. When my mom went through a divorce, I watched her have to adjust to an entirely different financial reality. I found myself helping her get organized and make sense of what she was facing.
Those experiences taught me something that eventually became the idea behind Make Change: before you can make good financial decisions, you need to be able to see the full picture.
That's what I started doing in my own life. I built ways to organize our spending, understand our debt, plan around our paychecks, and look ahead instead of constantly reacting. And I realized the same process could help other people who were staring at their finances wondering, “Where do I even start?” That's why I created Make Change.
Raul Sanjay
Founder, Make Change
B.S. Finance — University of Delaware
FDIC Money Smart — Master Certificate of Completion
FDIC Money Smart — Master Certificate of Completion
FAQ
Common questions
What financial documents will I need to provide?
I'll typically review recent checking and savings statements, credit card statements, loan information, pay stubs, and details about major upcoming expenses or financial changes. You'll also complete a questionnaire, and you'll receive a clear list of what to provide before we begin.
How do I send my documents, and how are they handled?
Once you've signed the agreement and paid, I'll send you a secure upload link. You upload the documents I've asked for, and I use them to prepare your plan. They aren't shared publicly, and because Make Change doesn't connect to your bank accounts, you decide what to send. You can read more about how information and source documents are handled in the Privacy Policy.
Does Make Change connect to my bank accounts?
No. Make Change doesn't connect to your bank accounts, and neither does your workbook. You provide the information and documents needed to build your plan, and I organize them into your personalized Google Sheets workbook. It isn't banking software, so it doesn't pull in transactions on its own.
Do you ever handle my money or make payments for me?
No. You always remain in control of your accounts and money. Make Change does not hold client funds, access your accounts, or make financial transactions on your behalf.
Will you contact my creditors or lenders for me?
No. Make Change does not contact creditors, negotiate balances or interest rates, settle debts, or make payments on your behalf. I help you understand and organize your debts so you can make more informed decisions about them.
Is this investment, tax, or legal advice?
Make Change is about financial wellness: budgeting, cash flow, and organizing your debt so you can make informed decisions. I don't provide investment, tax, or legal advice. If a decision needs that kind of guidance, a licensed professional is the right person to ask.
How do the meetings work?
Meetings are held online through Google Meet. The Financial Clarity Plan includes the Financial Discovery meeting, the Financial Clarity meeting, and the Final Make Change meeting. You'll receive a meeting link for each session.
How long does the Financial Clarity Plan take?
The full process typically takes about 2–3 weeks from the time your completed questionnaire and requested documents are received. Timing can vary slightly depending on meeting availability.
What happens after my plan is finished?
You leave with your workbook and 90-Day Action Plan, designed to keep using on your own. If you want extra support later, optional Check-Ins are available to Financial Clarity Plan clients, with no subscription or recurring meetings. They're useful for reviewing what's changed, updating your cash-flow plan, or working through a decision.
$199One flat introductory price for the complete 2–3 week Financial Clarity Plan. No subscription or recurring fees.
Book Your Free Consultation
Free 20-minute consultation · No obligation
Not sure where to start? Start with a conversation.
Your free consultation is a chance to tell me what's going on, what you're trying to figure out, and what you want your finances to look like moving forward. You can ask questions about the process, and we'll see whether the Financial Clarity Plan makes sense for you. You don't need to prepare any financial documents beforehand.
Book Your Free ConsultationAbout 20 minutes · On Google Meet · No obligation