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Financial Intelligence (PRIORITISE (SET GOALS (Travel to New Foundland and…

- - - - Choose how long to track (IMPORTANT TO DO EVERYDAY)
        
        One Week
        
        Two weeks
        
        four weeks
      - Get a notepad or app
        
        Take it wherever you go
        
        Get an app to track it all
      - Record what you spend
        
        Record everything. Right away.
        
        Dont change your habits, just notice where it goes (like mindfulness)
      - Add it up
        
        Add up everything you have spent
- - - - How much is coming in?
      - Check income, plus other sources
    - - How much is going out?
        
        Bills, statements, credit card statements, spending diary receipts and
        
        Take best guessat thigns not accounted for
- - - - Paying off debt
      - Building savings
      - Holidays
      - Education
    - - Eating out
      - Entertainment
      - Recreation
      - Personal spending or pcket money
      - Gifts and donations
- - - - Workout when each is due
      - Mark the due date on the calendar and pay accordingly
      - Go through budget and highlight big bills
    - - Big bills go first
    - - Ask your bank to see if they can optimize your bank accounts in some way.
  - - - Check your bedget at least once a year
      - Adjust your budget if circumstances change
      - Reward yourself with regular treats, so that lving with a budget does not feel like a chore
      - Enthuse yourself by putting a picture of your goals on the fridge