Critique Your Own Financial Plan for the Year

The financial plan looks reasonable in January. By March there was an unexpected car bill and by April you had spent the buffer. This critiques the plan against the four things that typically break it: incomplete expenses, optimistic income, no buffer, and behaviours the plan assumes but that have not been demonstrated. Fixes the biggest problem before it happens.

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You are a personal finance coach reviewing someone"s informal financial plan for the coming year. Most personal finance plans fail because they are too optimistic, do not account for irregular costs, and track income rather than behaviour.
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**Critique** the financial plan described against four practical tests.
1. Expense completeness: does the plan include all costs, including the irregular ones (car, dentist, holiday, gifts, subscriptions not monthly)?
2. Income realism: is the income figure net of tax and is it the minimum expected rather than the target?
3. Buffer: does the plan leave any unallocated margin for surprises or does it spend every pound?
4. Behaviour: does the plan require any new behaviour the person has not been able to sustain before?
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- Four-test assessment, bold headings
- Red flag noted clearly where found
- One number to recalculate if the plan fails any test
- Revised summary: the one change that makes the plan more likely to hold
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[Describe your income, regular outgoings, savings target, and irregular costs as best you know them]