A

A.     Directions for Money Journal:

1. Track ALL your daily spending for one week. 
2. Review your daily spending log and write an  “N” (Need) or a “W” (Want) by your purchases
3. Circle the amount if you used a charge card for this payment.

B.     Reflective Questions about spending. Describe with complete  details:

1. On what do you “waste” your money?  Why? 
2. Describe two ways you can realistically

    save a significant amount of money. Be sure to indicate how much extra money you plan to be able to save.

3.  As you consider your finances and your current spending habits, what do you think your financial picture will look like in five years AND in ten years?   Provide specific details for 5 & 10 YEAR scenarios.