In order to work responsibly with your money, you have to make sure, on a monthly basis, that you do not spend more than you earn. You can use my simple spending plan example as a starting point for your own, personalized spending plan. Just click on the link and once it opens in your browser, go to File and then click Download (or Make a Copy) to get your own copy you can edit and adapt to your liking.

Go to my Spending Plan example.

For more background, read my article on managing your personal finances.

If your out-go exceeds your income, your upkeep is gonna be your downfall!

Craig Hill & Earl Pitts