This step-by-step action plan is like a detox diet for your finances. Walk through 30 days of ideas on how to save more, make more, and invest more to get your financial house in order this year.

1. The
30-Day
Money
Cleanse

2. A
Step-by-Step
“Detox Diet”
For Your
Finances

3. Day 1: Track Down Your Money

4. Day 1: Track Down Your Money
Make a list of all
your financial
institutions,
accounts, and
logins.

5. Day 2: Identify Your Financial Goals

6. Day 3: Discover Your Net Worth

7. Day 3: Discover Your Net Worth
Net Worth = What You OWN – What You OWE

8. Day 3: Discover Your Net Worth
Pro Tip:
Use a free tool
like Mint or
Personal
Capital.

9. Day 4: Find How Much You
(Actually) Make

10. Day 5: Find How Much You
(Actually) Spend

11. Day 6: Calculate Your Monthly Profit

12. Day 6: Calculate Your Monthly Profit
What’s your
personal
bottom line?

13. Day 7: “Bucket” Your Spending

14. Day 7: “Bucket” Your Spending
Put everything into
1 of 2 categories:
1.Fixed
2.Discretionary

15. Day 8: Rank Discretionary Spending

16. Day 8: Rank Discretionary Spending
Of everything in
the Discretionary
column, which
ones brought you
the most joy?

17. Day 9: Emergency Fund Check Up

18. Day 9: Emergency Fund Check Up
Do you have 6-12
months of fixed
living expenses in
savings?

19. Day 10: Savings Interest Check UpDay 10: Savings Interest Check Up

20. Day 10: Savings Interest Check UpDay 10: Savings Interest Check Up
Is your emergency
fund is sitting in a
low-interest
checking account?

21. Day 10: Savings Interest Check UpDay 10: Savings Interest Check Up
Consider moving it
to a higher interest
savings account
like CapitalOne360
or Ally.

22. Day 11: Deploy Idle Cash

23. Day 11: Deploy Idle Cash
If you have more than
12 months of living
expenses saved up,
put that money to
work for you.

24. Day 11: Deploy Idle Cash
Consider a service
like Betterment or
dividend investing for
cash flow.

25. Day 12: Refinance High Interest Debt

26. Day 12: Refinance High Interest Debt
For example, the
average SoFi member
saves over $22,000
on their student
loans.

27. Day 13: Max Out Your 401(k)Day 13: Max Out Your 401(k)

28. Day 14: Sell Something From Your
Attic or Garage

29. Day 15: Take a Break

30. Day 15: Take a Break
You’re halfway there!
Visit
SideHustleNation.com
for more details on all
of these steps.

31. Day 16: Meal PlanDay 16: Make a Meal Plan

32. Day 17: Re-examine “Memberships”
and Subscriptions

33. Day 18: Join Ebates

34. Day 18: Join Ebates
Ebates is a free site
that pays you cash
back when you shop
online.

35. Day 18: Join Ebates
They’ll even give you
a free $10 bonus
just for signing up.

36. Day 19: Set Up Auto-Payments

37. Day 19: Set Up Auto-Payments
Avoid late fees and
interest charges.

38. Day 20: Take Inventory of Your Skills

39. Day 20: Take Inventory of Your Skills
For inspiration,
browse the
categories at
Fiverr.com.

40. Day 21: Post Your Gig

41. Day 21: Post Your Gig
Other people are
making money from
these skills.
Why not you?

42. Day 22: Take a Dip in
the Sharing Economy

43. Day 22: Take a Dip in
the Sharing Economy
Here are 200+
ways to make
extra money in
“peer-to-peer”
commerce.

44. Day 23: Set Up Your Clarity.fm Profile

45. Day 24: Subscribe to The
Side Hustle Show
Day 24: Subscribe to
The Side Hustle Show

46. Day 24: Subscribe to The
Side Hustle Show
Day 24: Subscribe to
The Side Hustle Show
The “Best Business
Podcast”-nominated
show will help you
build job-free income
streams every week.

47. Day 24: Subscribe to The
Side Hustle Show
Day 24: Subscribe to
The Side Hustle Show
Just search “side
hustle” in any
podcast app and
hit the “Subscribe”
button.

48. Day 25: Find Your Rat Race
Freedom Number

49. Day 25: Find Your Rat Race
Freedom Number
This is the bare
minimum side
income you need
to quit your job.

50. Day 26: Start Rolling Your Side
Hustle Snowball
Day 26: Start Rolling Your
Side Hustle Snowball

51. Day 26: Start Rolling Your Side
Hustle Snowball
Day 26: Start Rolling Your
Side Hustle Snowball
This is how you
can “erase” your
expenses one-by-
one with new
income streams.

52. Day 27: Get Some Free Money
from a Bank

53. Day 27: Get Some Free Money
from a Bank
1% cash back is boring.
Especially when you
earn 20-50% cash
back on credit card
spending with
sign-up bonuses.

54. Day 27: Get Some Free Money
from a Bank
Check out
ThePointsGuy.com
for the best current
offers.

55. Day 28: Set Monthly and Quarterly
Financial Check Ups

56. Day 29: Make a Donation to Charity

57. Day 30: Treat Yourself!

58. Liked this 30 Day
Money Cleanse?
Please share it to
help spread the
word!

59. NICK LOPER
Side
Hustle
Nation.com
@nloper