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3: Analyze Your Circumstances

Where Does Your Money Go?

Coins falling from purse

“Budget” can sound like a dirty word when you’re already stressed about finances. How are you magically supposed to find more money to start an emergency savings fund?

If you’re feeling stressed about money, the natural response can be to avoid looking at bills, bank accounts and credit card statements because you fear it only will make you feel more hopeless. But the first step to solving any problem is to stop hiding and to look honestly at the situation.


Be a Spending Detective

Give yourself a raise by tracking where your money goes and plugging spending leaks. Start with the Spending Detective Worksheet.

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