The Scenario

How do you keep track of your money?

Sam Savings Sam

Savings Sam
My wife does our finances on line and we talk together once a week about our accounts and what bills are due.
Bonnie Balanced Bonnie

Balanced Bonnie

I keep a spreadsheet and all my receipts together in a binder for when I sit down every other Wednesday night and pay bills.

Ian Impulsive Ian

Impulsive Ian
When I do get paid, I pay the most important bills first, but never have enough to pay everything. When I win at the casino or on a scratch ticket I try to pay another bill, or sometimes I reinvest it on more tickets. My counselor tells me I need to make a budget, but I have been putting it off, I am not really sure where to start.


Part I

A place to begin when thinking about managing your finances can be to categorize your expenses, so you can assess how much you are spending on certain items as you track your expenses.

Suggested categories include:House

You could develop your own spreadsheet or print budget forms to help you keep track of your list. You can create spreadsheets for FREE online via Google Docs.

Prioritizing Expenses

To assist in prioritizing your expenses, ask yourself:


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