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  Spending Plans



In this module you will learn about:
 Why a spending plan is needed.
 Determine how financial goals are set.
 Know the difference between needs and wants
 Learn four ways to track spending, as well as
 Follow the steps in how to make and balance a spending plan.

Follow the links below for the following information:

 Spending Plan Educational Module
PDF file—8 pages.  Includes an assessment tool, background information for educators and links to these forms.
 SP10—Planning for Irregular Expenses for the Year (colour) or
(black & white)
SP20—Tracking Your Spending (colour) or (black & white)
SP30—Recording Account Transactions (colour) or (black & white) 
 SP40—Tracking Loan and Credit Payments (colour) or (black & white)       
Worksheets
Each worksheet is a PDF file 4-5 pages. Select colour or black and white copy. The Planners focus on needs and wants; whereas a Spending Record  has more detailed information and tracking methods they work well with the forms above.
 A Budget Planner (colour) or (black & white)  Stage 2 reader.
 A Spending Planner (colour) or (black & white) Stage 3 reader.
A Spending Record (colour) or (black & white)  Stage 3 reader

Spending Plans Hand Posters/Overhead Master
PDF—15 pages. There are 14 Hand Posters/Overhead Masters in this file for Stage 2-3 readers.  Links are given on the first  page to each Master.


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