FinFit Circle · 3 June 2026

Mid-Year Baseline

A private pre-work and in-session worksheet. Everything you type stays on this device.

Page 1 · Do at home before Wednesday

My freedom goals

Start with what each goal unlocks for you — the life it makes possible. Then put a number on it. The monthly amount calculates automatically.

Goal 1

What does this goal unlock for you?

By when? (year)

Estimated cost (€)

Monthly needed—

Funding on rails?

Country this goal lives in

Currency

My numbers

Rough figures are fine — this is private. The goal is an honest picture, not a perfect spreadsheet.

Monthly surplus

€0

Savings rate

—

Full financial picture

€0

Income

Monthly take-home (net)

Mark as temporaryAdditional income

freelance, rental, other

Primary currency

Countries earn / pay tax

Monthly outgoings

Housing (rent or mortgage)

Childcare / dependants

Fixed costs (subs, insurance, loans)

Variable (food, lifestyle, travel)

Liquid assets

Savings (accessible cash)

Investments (ETFs, stocks, crypto)

Liquid total€0

Illiquid assets

Property and pension are real assets — kept separate so your liquid picture stays honest.

Property value

Outstanding mortgage / debt

Pension

Often the most overlooked asset

Pension pot 1

current employer · which country?

Pension pot 2

previous employer / country

Pension pot 3

other country / earlier career

Pension total€0

Primary tax residency

What changed

The first half of 2026 in one word

What life added

New things that arrived — chosen or not — that changed the picture.

Describe what changed

What disrupted

Things that interrupted or derailed — expected or not.

Describe what disrupted

What did you do well financially in the first half of the year? (Name at least one thing.)

Lifestyle creep check

Lifestyle creep: spending rises silently as income grows — small upgrades that become permanent. It often feels like the raise never happened.

Has your spending risen with your income in the last 12 months?

If yes — what quietly upgraded that you did not consciously choose?What is the gap between your current financial picture and where you want to be?

Where I am

The lifestyle–finance interplay

Where do you sit right now? Move the sliders to plot your position. This is diagnostic — not a judgement.

Lifestyle cost — how much of your income goes on your current life?

Lean~50% on lifestyleHigh

Goal progress — how consistently are your habits funding your goals?

Low~50% on trackStrong

Building lean

Building well

Review needed

Lifestyle creep risk

Building well

The balance is working — protect it through transitions

Your inner conditions

You cannot create financial clarity if your mind is overloaded and your energy is drained.
— Paola Elena Brignoli

Mental bandwidth for financial decisions this year (1 = depleted · 5 = full)

The feeling that most often came up when you thought about your finances

The story you have been telling yourself about money

Are your goals still the same — or has your life changed enough that you need a new plan?What is the avoidance costing you — financially and energetically?

What's next

The decision I am sitting on

Bring this to your circle on Wednesday. This is the question that gets answered — or at least clarified — tonight.

In one sentence — the financial or lifestyle decision I have been circling around

What information do I need to make it?

What is stopping me from deciding?

Does this decision depend on which country you stay in?

The 1% shift

Lasting change comes from small, consistent habits — not overhauls. What is the one thing that, done weekly, would make the biggest difference?

The smallest possible habit I could start this week (under 10 minutes)

From: I am someone who...

To: I am someone who...

One belief about money I am ready to leave behind

My commitment — first draft

The one thing I am doing differently in the second half of 2026, starting this weekStarting on

First draft — you will refine and commit to this in the room on Wednesday evening.

Take-home

This page is yours to keep.

Speaker resources

Nadam Schmidt

holisticbanker.com/

Paola Elena Brignoli

www.paolabrignoli.com/

Suzanne Meyer

www.linkedin.com/in/suzannemeyermcdevitt/

Donate or consign your clothes — Pre-Owned by Roos

Because a wardrobe edit and a money audit start with the same question: what no longer fits your life?

preownedbyroos.nl/

Join us on WhatsApp

Scan to join the FinFit Circle WhatsApp community

Real conversations, between events

Stay connected

Our Calendar

All upcoming sessions — save your spot

luma.com/finfitcircle

Follow FinFit Circle

www.linkedin.com/company/finfit-circle/

Instagram

@finfitcircle

instagram.com/finfitcircle/

FinFit Circle sessions are for educational purposes only. Nothing shared constitutes financial, investment, legal or tax advice or a personal recommendation to act. For guidance specific to your situation, please consult a qualified professional. Financial Fitness for a Global Life.