Total Monthly Spend (TMS)

Shown here are the headline categories that will make up your Total Monthly Spend:

The Nine Categories of your Total Monthly Spend

Key Points about the Total Monthly Spend

  • The TMS is the multiplier that will help you get a handle on some key financial milestones
  • TMS can be calculated easily using a spreadsheet which you can download and adapt here
  • TMS is just about your spending and getting a good overview of that, particularly which categories contribute the most
  • It’s not about budgeting and making changes to how you spend – it’s just a closer look into what you actually spend