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people need the most support. But once they’ve mastered it, it’s the area they find easiest to maintain. Once again,
an experienced wealth team will help you do this correctly.

Conscious Spending
Forecasting is done every month in order to chart exactly how much you’re spending and what you’re spending it
on. Examples include housing, education, clothes, food, and debt payments. This will help you see exactly where
your money is going. A software program is the best way to track spending. The optimal approach to listing your
monthly spending is to remember “If in doubt, don’t leave it out.” Points are earned for most improved, so make it
as bad as you can, be brutally honest and inclusive.

Now that you have your current spending habits spelled out in front of you, you can rebuild them to work toward
achieving your goals. By purposefully forecasting your spending, you will use every single penny that you have to
its full advantage. Detail where you must spend money and how much you have to spend in each instance. This will
consist of the items you need to live. Within this list of essentials, you want to see which numbers are shouting out
as too big; this might direct you to areas in which you are over-spending. Try to narrow in on old spending habits
that don’t make sense anymore to see how much money you can free up.