Tools
Step 1: Know Your Numbers
The first step is knowing what numbers are important to your spending plan. The 'spending snapshop' will help you determine what your fixed expenses are each month. 'Tallying up your totals' allows you to list any credit cards and other loans you have plus their interest rates and monthly payments so you are in the know of how much you are paying towards your debts.
Spending Snapshot(233 KB)
Step 2: My Perfect Day - Adding It Up
Step 3: Your 12 Month Spending Plan
You know you want to live your richest life, now you need a plan to get you there. The Spending Plan has been designed to allow YOU to personalize each line item. This ensures that your spending and savings reflects your Perfect Day exercise. Click here for instructions on how to create your Spending Plan.
Step 4: The Rather Factor Cards
The Rather Factor card is meant to be used as a tool in case of an emergency...well a shopping emergency! Download this fabulous little tool to put into your wallet. When you feel the temptation to spend more than you should, you'll be reminded of the things you really do want to spend your money on, and you can call your 'call in case of emergency' friend you've listed on the card to help you off that spending ledge!
Rather Factor(1036 KB)
Step 5: Starting Your Money Group
Now that you have figured out all of your numbers, now comes the fun part: starting a money group! The Smart Cookies success could not have happened without the support of each other. Here you will find an easy step-by-step method on how to start your money group plus a sample of one of our money group agendas.
Tips for Starting a Money Group(90 KB)