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Financial Literacy Is The Key To Financial Wealth

Developing a Spending Plan

Do you ever wonder where all your money goes? Can you only afford the minimum payment on bills? Developing a spending plan will help you to take control of your financial future. Some of you may already be familiar with how to budget, but others may not be. A budget is simply a plan for spending and saving money. It allows you to see your total income and where that income is going.

Why Budget?

The primary purpose of a budget is to find out where your money is going and to help control spending. To see exactly how can help you do the following exercise for one week: keep track of every purchase you make for a week, along with your standard monthly bills. Once you determine where your money is going, it is easier to see where you can save and improve spending habits.

Study Objective: Download the weekly spending tracking form
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NID-HCA is a diverse network of advocacy groups and individuals, organizations, housing counselors, real estate professionals, community groups, civic organizations and faith-based organizations committed to ensuring fair housing opportunities for all in urban/minority communities throughout the country. As an advocacy, communications, education and resource network, NID-HCA works to provide its partners and the communities they serve with information to assist them in their advocacy efforts to address issues ranging from increasing access to quality housing and mortgage products and eliminating housing disparities.