Actions & Ideas
- Using the CD-based Excel spreadsheet, create a simple budget (budget spreadsheet) today. Your budget doesn't have to be 100 percent accurate. As you gain additional information, add it to your budget.
- Use the associated spending spreadsheet (weekly cash flow planning spreadsheet). The CD-ROM includes both of the forms in .PDF format and as Excel spreadsheets.
- Take a few moments to analyze your spending for the past week and the past month. What does your spending say about how you value your time and efforts?