Struggling to stay on top of your bills? Not sure where your money goes each month? Our Personal Spending Plan is a free, printable tool that helps you build a monthly budget, track spending, and set meaningful financial goals, whether you're living paycheck to paycheck or just want to be more intentional with your money.

This step-by-step guide walks you through how to:

• List your income and expenses
• Track debt and spending leaks
• Build a realistic monthly budget
• Set short- and long-term financial goals
• Plan for emergencies, savings, and future purchases

The workbook includes helpful tips, tracking forms, savings ideas, and space to calculate your income, debt, and expenses, all in one place. You’ll learn how to spend wisely, save intentionally, and live with less stress about money. It’s a powerful first step toward financial confidence!

Key Topics Covered

• Budgeting by category (housing, transportation, food, debt, etc.)
• Identifying impulse spending habits
• Setting savings goals and creating emergency funds
• Debt tracking and payoff strategies
• Calculating net worth
• Plugging “spending leaks” that drain your budget
• Saving money on everyday purchases
  

Why It Works

The Personal Spending Plan doesn’t just help you create a budget. It helps you understand your financial behavior. You'll start seeing patterns, gain awareness, and feel more confident making decisions about your money. 

Download your free Personal Spending Plan and take the first step toward a more stable financial future.

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