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Introduction
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Your spending plan is the foundation for your financial plan. Purchases can generally be divided into two categories:
  • Needs
  • Wants
Household income is allocated three ways:
  • Current Living Expenses
  • Debt service
  • Savings

We run into trouble when the cost of our current lifestyle exceeds our income, causing us to go into debt and/or compromise long-term savings goals.

In order to get what you want, develop a spending plan to help you better understand where your money goes and redirect it in a manner to help you achieve your dreams for the future.

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