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Basic Step #9
Create a Spending Plan

a game plan on a clipboard

Putting your financial goals in writing can make them more concrete and achievable. However, it's easy for everyday purchases and obligations to get in the way of saving for the future. One of the best ways to make sure your daily spending habits don't overwhelm your life goals is to create a spending plan. A spending plan is not meant to be a strict budget. Instead, it's a guide that will help you take control of your financial future and, ultimately, reach your goals.

Download SAM’s Budget Worksheet and take SAM’s free Spending and Saving Basics course to start your spending plan.