XYZ PETS PLANNER GUIDE

How to use this pack:
1. Fill out the monthly budget template first. Track budgeted vs actual spend by category.
2. Add your preventive care dates to the prevention calendar template.
3. Complete the emergency readiness template and close each gap by deadline.
4. Rebalance monthly: move spending away from low-impact items into prevention and reserve categories.
5. Re-run the Intelligence Lab monthly and compare score movement.

Recommended monthly cadence:
- Week 1: Budget review and reserve transfer
- Week 2: Preventive care check
- Week 3: Offer and subscription audit
- Week 4: Risk review and next-month planning