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Once everything started rolling I didn't have to worry and having only one payment was great.
- Betty Morris

Did you know?

91% of undergraduates have at least one credit card

Do you find yourself living paycheck to paycheck?

If your car were to break down, could you afford to take it to the shop? The sad answer is most people do live paycheck to paycheck and cannot afford to repair their car in the event something happens.

Life’s surprises alone are a good reason why we all need a Spending Plan.


Benefits of a Spending Plan

While it may sound restricting and unpleasant, following a spending plan will allow you more freedom to fulfill longterm goals like purchasing a house, paying off debt or building a savings. You say “Budgeting is too complicated” or “It takes too much time” – that is not necessarily true. Utilize the provided Spending Plan Worksheet (you should also have one provided separately in your workbooks) and you will see just how quick and easy it can be. The rewards of implementing a Spending Plan tremendously outweigh any time you will spend creating it. And the longer you wait, the longer you deny yourself the sense of well being that results from being in control of your finances.


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A Spending Plan will help you:

1) Create the awareness of the direction you are going in.

2) Control your money instead of your money controlling you.

3) Meet savings goals.

4) Limit spending on things you don’t need so you will have money for things you do need.

5) Enable your family to achieve common goals.

6) Be prepared for emergencies.

7) Improve your marriage with fewer arguments about money.

8) Define areas where you were over-spending.

9) Get out of debt or stay out of debt.

10) Attain peace of mind knowing you will be able to make ends meet and more!