Need more money / plan your spend / zero based spending plan step by step guide

Updated: May 23

A goal without a plan is just a wish, much like money, without direction it gets lost, having a plan for your money will not only save you hundreds even thousands, it will also help give you financial freedom.

I have created an easy free downloadable spending plan, you can download from, this plan was inspired by the American Financial blogger Dave Ramsey, however if you would prefer you can visit their website and download there


© 2019 By Sarah J McCracken.