Step 3

Develop Your Plan
In order to achieve your goal you must have a plan.
This may include:
a) saving money
b) increasing your income or
c) decreasing your expenses.

Decide what you need to reach the goal. Then, write down all the possible options you could take to reach it.

Example: How will I save $100 a month? I can spend less on groceries by using a shopping list and buying products on sale. Or, I will spend less on food by eating breakfast at home instead of picking something up from the coffee shop.