Step Two: Judge and Rank the Options

How do you feel about each of the options? You are trying to decide what is best for you and your family. What are your gut feelings about each choice?

While looking at the choices you wrote down, ask yourself questions like:
"Is this a good way to spend my money?"
"Is there a better way to use my money?"
"Is this the best choice?"

In this step you are making a value judgment. You are saying that one option is better, or more important, to you and your family.