Finances and...Your Spending Planner Workbook, The Ultimate Budgeting Guide, will help you track, and evaluate your current finances, helping you plan for every dollar so you can achieve financial freedom and all your long term goals. By following your budget, you will avoid risky spending patterns and help minimize poor spending choices. By writing down your goals, you'll keep on track and make your dreams a reality. A simple plan can reap large rewards; by writing down your spending you'll be able to see trends and accelerate your savings. You can maximize savings, track gift giving, calculate your net worth, pay down debt, and retire with the money you want.