Money MRI Repair Kit

Close the money leaks your score found.

This is the actual repair board: bill collisions, APR pressure, subscriptions, fees, buffer, and the weekly control room. Use it after the scan or as a standalone reset.

Print-ready worksheet30–60 minute repair passNo shame

Open worksheets Run Money MRI first

Worksheet 01

30-day bill collision map

Most people do not have a money problem first. They have a timing problem. Fill this before changing anything.

DateBill / paymentAmountAutopay?Risk note

1–7Rent / mortgage / card / loan$____Y / NWill balance be ready?

8–14Utilities / insurance / subscriptions$____Y / NCan date move?

15–21Credit card / BNPL / minimums$____Y / NAPR pressure?

22–31Phone / internet / annual renewals$____Y / NCancel, move, or keep?

Repair move:

Move one flexible due date away from your lowest-cash week. This is often faster than “budget harder.”

Worksheet 02

APR pressure rank

BalanceAPRMinimumCurrent actionNext shield

Card / loan 1__%$__Minimum / extraPay highest APR first

Card / loan 2__%$__Minimum / extraCall / refinance / freeze use

Card / loan 3__%$__Minimum / extraAutomate minimum safely

Call script:

“I’m reviewing my account costs. Are there any APR reduction, hardship, fee waiver, or product-change options available without closing the account?”

Worksheet 03

Quiet drain cut list

Open last 30 days of card/bank charges. Circle every recurring charge. Mark each one: keep / cancel / downgrade / annualize / replace. Cancel or pause at least 3 before leaving the page. Put renewal dates for annual charges into calendar.

First-week target:

Recover one small monthly charge and one fee risk. The emotional win matters.

Weekly control room

The 15-minute review script

Minute 0–3

Check balance vs. bills due before next income.

Minute 3–7

Check new recurring charges and fees.

Minute 7–11

Check highest APR balance and next payment.

Minute 11–15

Pick one shield for the week: move, cut, call, automate, or buffer.