It’s time for you to start thinking about your own spending-savings plan. You will
need to know three things to get started:
- How much you make
- How much you spend
- Where you should spend it
Think of ALL of your sources of income. Be careful not to exclude gift money and other irregular cash flow.
Use the envelope provided on this page to carefully track your daily expenses.
Prioritize your spending based on your household situation and unique consumption patterns.