Create Your Plan

Now it is time to take your totals from your tracking sheets and put them into a spending-savings plan.

A spending-savings plan is like a road map that shows how you can live within your income and reach your financial goals.

In “The Spending Game,” you planned your spending using 20 beans. When your beans were reduced, you adapted the plan for 13 beans. A spending-savings plan can help you make adjustments in spending so that you are able to achieve your financial goals even when income or expenses change.