Before you begin . . .
At the end of the month you don't want zero, you want surplus or extra money in your checking. Your money is like a water bottle. Each month, the bottle is full. Then you drink and it goes down. How much water can you leave in it? That's surplus, and it goes into savings. Over time, this builds financial security.
DAY 1: BUDGET & SURPLUS GOAL
Take Action: 5 Ways to Save Money Shopping Online
Day 2: Income
What is your net income (take-home after taxes) each month? Write this down at the top of your budget in the hot pink. Remember to work toward and write down your surplus (1) in your action plan sheet.
(1) Surplus-extra money in checking; track daily on action plan.