PHASE 1: NOW
Target ₪25K/mo. Both loans active (₪8K). Track every shekel, stay disciplined.
PHASE 2: AFTER LOAN
Pay off property loan (₪120K). Clear small debts. Target ₪20,000/mo.
Runway: ₪350K ≈ 17 months
Monthly targets
Fixed — ₪18,200
🏠 Mortgage₪4,500
💳 Loans₪8,000
🏥 Health₪800
🛡️ Insurance₪800
🏛️ Arnona₪1,500
⚡ Electricity₪700
🚰+🔥 Water+Gas₪200
📱 Telecom₪350
Variable — ₪6,800
🛒 Groceries₪3,000 (₪692/wk)
⛽ Fuel₪1,000
❤️ Donations₪400
👕 Clothing₪300
📚 Education₪500
💊 Pharmacy₪300
🚌 Transport₪200
💸 Cash/Bit₪1,200 (₪277/wk)
Total monthly₪25,000
Iron rules
🚫
Zero restaurants & delivery
💸
Bit/cash —
₪277/week max
🛒
Groceries —
₪692/week max