Spending Plan
Good money management begins with a spending plan or budget. Many people think that budgeting is a negative that will limit what they can do. However, if clearly thought out and followed, a spending plan can actually give you the ability to do more with what you have!

Developing a Spending Plan
Identify Your Goals
Track Your Expenses
Get it Down on Paper
Adjust the Plan According to Your Reality

Spending Plan Components

Income
Expenses