As you learned, a budget just shows ‘you should be able’ to pay all your expenses.

A Spending Plan is a document, it’s a live document that says, “Here is HOW you make ends meat.” The first thing that’s different to a budget is the amounts we put into the spending plan are not an average of this much per week for rates, this much a week for phone, this much per week for car registration, blah blah blah it’s how much do you need when this thing happens and when does it happen next and it will make the money pop up on the date that the bill arrives. The money will pop up and say, “I’m here for the bill” which is telling you HOW to do it. Join the dots, follow this road map. A Spending Plan is like having a crystal ball of your perfect future spending year and a roadmap or a GPS of how to achieve your goals. Where a budget is a road sign that says, “somewhere over there is money success”, a GPS says if you get off track it shows you how to get back on track. A Spending Plan goes beyond a budget which makes all the difference.