Chapter 9. Your Spending Plan


“Beware of little expenses. A small leak will sink a great ship.”

 --Benjamin Franklin

“It is easier to make money than to save it; one is exertion, the other self-denial.”

 --Thomas Halliburton

Most people can think of 101 things they’d rather do than track their spending. However, just a little bit of effort can pay big dividends that last a lifetime. Knowing where your money is going will empower you to make changes in your life and help you reach your financial and personal goals.

Different people have different ways to track and manage their spending. What works for one person won’t necessarily work for another, simply because each person approaches spending, budgeting, and saving differently.

Rather than seeing ...

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