The Dream Spending Plan

Everyone knows we need a Spending Plan for all essential items (bills, mortgage, insurance, minimum amount for clothes, groceries and a little bit for fun etc) so we can keep track of incomings and outgoings (and hopefully the incoming is less than the outgoing).  Once you have that up and running, create a "Dream" category in your Spending Plan for those things on your dream or wish list. You know, the things like that new lounge suite or the family trip to Disneyland you have always wanted.  Make sure you add to your Dream Spending Plan every pay day, even if it is just $5. We all have dreams, having a Dream Spending Plan helps us to stay focussed on our Spending Plan and our dreams.