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                         Step 3
Sorting out your paperwork will make record keeping a whole lot easier and set yourself up for success.
Step 4
Knowing where you are today can help you determine the best path towards helping you meet your financial priorities.
Step 12
Emergency savings make the difference between a financial setback and a financial disaster.
Step 21
Saving money on your groceries, is one of the fastest and easiest ways to improve your bottom line.
Step 23
Give yourself some peace of mind by making sure your family is on some firm financial footing
Step 25
To stay motivated, acknowledge the benefits you will experience as a result of your efforts.
| Step 19:
Document your spending Every week either use this system of entering your actual spends in the spreadsheet or use the Sorted Budget tool or Xero. What ever fits with you, the important thing is to develop a habit and stick to it This worksheet will help you to identify expenses that can be reduced and prevent impulse spending. The process may be time consuming, but it is vital to gaining control of your finances. Once you have calculated what your budget fixed and variable expenses are including allowing funds for a weekly spending allowance you can now work out your operating surplus. Work out what the total household NET income is. Don’t forget to include any boarder income or working for families money etc. Then work this to an annual amount. Minus off your expenses and any rent or mortgage repayment costs and any fixed short term debts you are repaying. If the answer leaves a positive amount then this is your operating surplus. That money should be available to either reduce debt or go towards savings. If the answer is a negative figure then you need some assistance. You will need to get on top of your situation before it goes backwards any further. Find ways to both increase your income and reduce any of your expenses. Call us for assistance or talk to someone. Get all your family on board and talking Keep your Expense Worksheet handy, it will soon become your roadmap to financial wellness.  Create your spending plan.
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