Budgeting/Debt List - While we know that creating a working budget is important, the first step can feel scary. This is often because of negative past experiences or because (since we don’t have a budget), we have literally no idea where to begin. My recommendation is to start by looking backward. Before putting together your next month’s budget, begin by filling out this budgeting sheeting based on what you actually spent over the last thirty days. You might be surprised where some of your money is going! Secondly, debt have you nervous? To know which direction to move, you need to look at where you currently are. These sheets are free to use. If you’d like coaching on how to make adjustments for the future to help you reach your goals, schedule a free consultation with Lisa.