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4 Steps to Your Very Own Spending Plan

How do you even begin to create a budget? Walk yourself through 4 simple steps:

    1. Recon. Take stock of your situation. Tally up all the funds coming in and all the spending going out for a month.
    2. Strategize. Determine which spends are necessary and which are not. Do you see ways to make more funds available for the things you need and want most?
    3. Deploy. With a new budget in mind, make adjustments to bring it to life. Monitor your expenses and track your progress.
    4. Analyze. Compare actual spending to your plan. Did you stay on track? If not, why not? Tweak the plan and your behavior until you find a workable balance.