How To Get Control Of ALL Your Day To Day Spending

Learning to control your day to day spending is the essential foundation upon which your financial wellbeing is built. My Smart Spending System introduced the simple concept of the THREE YOUs and using separate accounts to quarantine money for those different priorities, as shown in the diagram below.

You can download the PDF of The Smart Spending System™ by clicking here.

But this only works if you are totally clear about your true expenses. You might think that this is your spending:

When in fact your actual spending is more like this:

You need to account for ALL your annual expenses, including all those irregular amounts that you know will come along, even if you aren’t sure exactly when and how much they will be.

In this 5-minute video, I explain the concept in more detail: