EFTERA • START WITH THE TRUTH
Hey. What are we hiding from today?
No budget lecture. No shame spreadsheet. Tell us what’s actually going on and we’ll figure out the numbers underneath it.
This is not a test. Rough numbers are allowed. “I have no fucking clue” is useful information too.
FIRST: THE THING YOU KEEP SIDE-EYEING
What feels most true right now?
Pick every one that feels true. Real life is allowed to be more than one problem at a time.
Nothing picked yet.
THE PEOPLE BEHIND THE NUMBERS
Who is part of the money picture?
We only ask the questions that change the plan. If it is just you, EFTERA will not make you sit through partner and bill-split questions that do not apply.
Who depends on the money you bring in?
Pick whatever matters. This is how EFTERA learns that “supporting family” is not disposable spending.
THE MONEY COMING IN
How does the money actually land?
Do not turn weird pay into a fake monthly number for us. Tell EFTERA how the cheques show up. We will do the converting.
WHAT YOUR LIFE ACTUALLY COSTS
We’re not cutting your coffee. We’re finding your number.
Know the rough monthly number? Type it. Hate adding everything up? Hit List the pieces instead and tell EFTERA what you actually pay — weekly, biweekly, monthly or yearly. We’ll do the math.
You do not need perfect numbers. If you know you pay for Netflix, hockey, dog food or a vehicle but cannot remember the price, list it anyway and leave the amount blank. EFTERA will remember it and tell you the total is still partial.
HomeMortgage/rent, property tax, condo fees
$
Utilities + basic servicesPower, gas, water, phone, internet
$
FoodGroceries + the amount takeout actually costs
$
TransportationPayments, fuel, insurance, maintenance
$
Health, kids, pets + required life stuffThe non-negotiables unique to your household
$
Minimum debt paymentsCards, LOCs, loans — list what you owe; if you do not know the minimum, EFTERA can estimate cards + LOCs for planning
$
Life being lifeSubscriptions, restaurants, hobbies, clothes, fun — real life, not fantasy life
$
Irregular crapRepairs, gifts, annual fees, travel, school, holidays, fridge-ageddon
$
THE STUFF WE USUALLY AVOID TYPING OUT
No judgement. Just coordinates.
Didn’t list the balances on the last screen? No problem. Rough totals are enough here. If you did list them, this section disappears and EFTERA carries them forward automatically.
WHAT IS THE MONEY SUPPOSED TO DO?
If work went right, what would it change?
HOW DO WE TALK TO YOU?
Somebody has to tell you something you probably don’t want to hear. What works?
THE TRUTH, WITHOUT THE DRAMA
Here’s what the numbers say.
PICK THE FIGHT
There is more than one way through this.
I’m not going to pretend one generic money plan fits everybody. Here are the routes your numbers can support — and what each one gives up.
YOUR FULL EFTERA PLAN
Pick the route. Then we build the damn thing.
You keep the diagnosis and route options. The paid plan turns the route you choose into an execution plan: what gets paid first, what gets assigned every month, milestone order, timeline checks, and what has to change if the math is too slow.
$39 CADfounding plan price
Choose a route first.
YOUR EFTERA PLAN
Here’s what I see.
THE ROUTE YOU PICKED
THE DECISION
EFTERA is a planning and decision-support tool, not individualized tax, legal, investment or credit advice. Verify payroll, tax, benefit and lending details with the relevant professional or provider before acting on them.