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How to Develop a Spending Plan

Financial recovery July 13, 2021

Develop a Spending Plan

A good way to start taking control of your financial situation is to develop a personal spending plan. A spending plan is a step-by-step plan for meeting expenses and financial goals in a given period of time.

 

How many of you already have a spending plan? What are some of the benefits of a spending plan?

 

Following a spending plan:

  • Helps you know what your income and expenses are every month
  • Reduces the anxiety of not being able to meet your expenses
  • Gives you a sense of control over your money because a spending plan is all about choices—choosing how to use your money
  • Helps you build assets that will improve the quality of life for you and your family

Spending Plan Tools

 

Keeping accurate records helps you successfully implement and follow a spending plan. Here are some recordkeeping tips:

  • Keep financial records in a safe place or in a safe deposit box.
  • Organize your files so it is easy to find important financial information.
  • Keep your tax records for at least three years.

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