The One Year Spending Plan

Plan your spending for a year at once–in under 15 minutes! Make space for guilt-free spending on the things you love. Never get caught off guard with an expense ever again. Use your money to create the life that you want.

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"The one year spending plan is
seriously life changing!"

“I finally have a good way to manage sinking funds that rotate depending on what is coming up. I am finishing up my first year of one-year budgeting soon. It was crucial for me when budgeting for my wedding. Now I use it to save up for each gym trainer package and the expenses I’ve taken on after getting married.”

You Can Create A Spending Plan—AKA A Budget—That Supports Your Best Life

You deserve to live the best version of your life. And that life costs money. Having a solid spending plan in place, one that’s based on your values and vision for your life, is an essential part of managing your money well.

Budgets often get a bad rap because people think that budgeting means restriction. But it doesn’t have to be that way! In fact, a good budget (aka spending plan) can actually be enjoyable and easy to stick to. The key? Making sure that your spending plan is based on what you actually value and not just what you think you “should” be doing with your money.

What you put into your budget isn’t the only thing that matters. HOW you budget is just as important. The right budgeting method could mean the difference between making your financial dream life inevitable and it staying off in the distant future.


Budgeting by month or by paycheck is like walking while only looking down at your feet...

Most of us aren’t taught a solid budgeting strategy growing up so we’re left to cobble together a strategy that works in the moment. The problem?

Most budgeting methods focus on the short term–the next paycheck or the next month, which makes it so much harder to plan for the future that you know is coming. 

The result? A budget that focuses on reacting to the constant influx of financial demands, hopping from financial fire to financial fire, never feeling like you are in the driver’s seat of your own financial life.


What if you could have a clear picture of your entire financial year all at once?

Imagine having a spending plan that helps you manage your money with ease today while also letting you plan out your financial year in advance. Where you know exactly where your money is going to today and where you want it to go for months to come. 

short-term budgets:


make your rich life inevitable with...

The One Year Spending Plan

Finally, a simple budgeting method that you actually enjoy sticking to! Take control of your finances and create your money plan one year at a time so that you can start using your money to create the live the rich life that you deserve today.

Here's What's Inside:


The One Year Spending Plan Template

It’s time to kick restrictive budgets to the curb. A one year spending plan gives you the power to go beyond just this paycheck or this month to make a plan for your money–and your life–for an entire year.

No more wondering if you’ll be able to take that vacation, meet your savings goals, or splurge on holiday decor this year. Start planning your financial dream life in just 15 minutes.

the masterclass | Lesson 1

Get Clear On Your Finances

This lesson walks you through how to gather all of the information that you need to create your spending plan.


Create Your One Year Spending Plan

Now that you know your numbers, it’s time to create your one year spending plan! This lesson walks you through the process of creating your plan from scratch.


How to Tackle A Negative Budget

Monthly shortfalls can happen from time to time. This lesson walks you through how to identify a monthly shortfall and turn it into a surplus over time.


Reconciling Your Spending Plan

Creating your spending plan is just the first step. This lesson walks you through strategies for executing your plan and tweaking it to make it better over time.

master your money faster with...

The Bonus Suite

The knowledge and step-by-step guidance that you get in The OYSP Masterclass is incredible. And these bonuses will help you implement even faster take your finances to the next level.


Learn to navigate spreadsheets like a pro in less time than it takes to drink a coffee.


This workbook guides you through organizing your financial numbers all in one place.


Look over our shoulders as we create a one year spending plan in under 15 minutes.


Are you ready to have a spending plan that supports your best life?

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How it works

Here’s What Happens Next...

When you purchase your copy of the one year spending plan, you’ll get instant access to the One Year Spending Plan Template, the masterclass training, and all of the bonus resources in a private program portal.

enroll now

Click the bottun below to purchase your copy of the One Year Spending Plan Bundle.

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Once you’ve completed your purchase, check your email for your user name and password.

Instant access

Log on to the private program portal using your user name and password to get instant access.


""I started using the one year spending plan in January and it has already changed my life."

“I had debt that I could afford to pay but I wasn’t getting anywhere fast and I wanted to turn things around. Using the one year spending plan I went from not focusing on my finances to really honing in on my spending. Six months later I’m on track to being debt free and building wealth in the next 18 months–something that I used to think was at least 5 years away!”

-Joseph J.


Hey there, I'm Scarlett

I’m a Yale-law educated finance attorney and wealth expert. After almost a decade in non-profit consumer finance, I started One Big Happy Life, where I’ve taught millions of people just like you how to take control of their money and start building wealth.

But beyond the credentials, I’m also a person with hopes, kids, student loans, a mortgage, and a dream to leave a legacy behind. And yes, I want to enjoy my life too! 

I’ve gone from being a single teen mom living under the poverty line to being on track to have a $10+ million dollar nest egg–while working in public interest!

I’ve done it. And you can do it too. Let’s go.

Frequently Asked Questions

The One Year Spending Plan is packed with the resources and tools that you need to finally implement a sustainable money plan.

The One Year Spending Plan masterclass teaches you how to create a spending plan for an entire year at once. In Simple Spreadsheets you’ll learn the basic spreadsheet skills you’ll need to easily edit your one year spending plan template. 

You’ll also have access to the included bonus mini-training, The 15 Minute Spending Plan, where you’ll watch us create a spending plan in just 15 minutes.

This is a self-paced program that will help you create your one year spending plan in less time than it takes to stream an episode of your favorite show!

You will have lifetime access to the course and materials so that you can continue to use your one year spending plan year after year to support your best life.

Due to the digital nature of this program all sales are final. If you have any questions about the program before you purchase, we’re happy to answer them. Just reach out to us at

Yes! The one year spending plan is a tool that will transform how you manage your money no matter where you are on your financial journey. 

If you have questions, reach out to us at


Ready to take control of your finances?

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