Module 2 · The compass

Disposable income

The heart of Ozorys. A single number, constantly recalculated, that tells you exactly what you can spend without ever putting yourself at risk.

IncomeFixed costsSavings=RAVyour daily budget
Income, minus fixed costs, minus savings set aside first: what remains is your real daily budget.

The formula

Disposable income is calculated simply: your planned income, minus your fixed costs, minus the savings you set aside first. What remains is your real day-to-day budget.

Planned income
2 800 €
Fixed costs
− 1 610 €
Savings (first)
− 300 €
Disposable income
890 €

« Pay yourself first »

Notice the order: savings are removed before calculating what's left to spend. That's the secret of good savers: you don't save what's left, you spend what's left once savings are set aside.

Tip

Even a small fixed amount, taken first each month, builds wealth. Consistency beats the amount.

The gauge that drops

Each daily expense you tick « Deduct from disposable income » lowers the gauge in real time. A glance is enough to know if you can afford that dinner tonight.

Key point

A disposable income still positive at month's end is not lost: it becomes bonus savings, set aside without even thinking about it.

Module quiz

Test your knowledge

Question 1
How is disposable income calculated?
Explanation: You first remove fixed costs AND savings. What remains is the budget truly available day to day.
Question 2
Why remove savings « first »?
Explanation: « Pay yourself first » guarantees savings. Otherwise, you spend everything and never have anything left to save.
Question 3
What happens to a positive disposable income at month's end?
Explanation: Everything you didn't spend naturally adds to your savings. A controlled margin becomes wealth.
Question 4
In a month where you do not spend all of your disposable income, what happens?
Explanation: A positive disposable income at month's end naturally adds to your savings: a controlled margin becomes wealth.
Module challenge

Calculate your disposable income

Take your monthly income, subtract your fixed costs (rent, subscriptions, loans), then a realistic savings amount. The result is your daily budget for the month. Surprised by the number? That's normal — and it's the start of mastery.