Make a Plan
Whether you already are saving or you have not yet begun, your savings and spending plan begins where you are right now.
Use the SAM action steps to analyze your current saving and spending situation and take purposeful steps toward identifying or making changes.
Are you comfortable with how much you are saving each month? Are you losing money to fund your goals through mindless spending?
Does your current saving and spending limit your goals or help you achieve them?
Set intentional goals to improve your spending and saving.