The spending plan approach is some what different from that of a budget. With budgets, we can feel victimized and they can heighten our poverty consciousness.
But with a spending plan, you look at how much you earn and then you decide how you want to spend the money. With this approach, you hold the power to decide, to manage, to make your finances work. You can choose to spend your money differently so your life works more smoothly. This approach is enormously empowering and leads to financial success.
Remember this…..paying off your debts and saving money is less stressful than spending the rest of your life with your back against a financial wall