Step 4 (Stop spending leaks)

This step will help you examine your spending habits to see if any problems exist. Suggestions are given for changing spending practices and habits. An agreement is included to help you and other family members commit to a personal plan to reduce spending so funds can be used to reach important goals set in step 1.

Did you find that it took a lot of time to gather the information and records used in Step 2?
With good records, you will have easier access to spending information for future planning.
This lesson concentrates on finding spending leaks in your budget and looks at what can be done about them. You will be referring to the Spending Log/Dollar Tracker you started in Step 1.

Does your paycheck always seem to run out before the end of the month? Is it possible you could be wasting $10, $15, $25, or even more a month? If you said "Yes," then it’s time for you to take a look at your spending habits and also those of others in the household.

If you have answered "NO" to any of these questions, it means that there are some spending leaks. You may be able to stop the leaks by improving your shopping habits.

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What’s the Problem?
Action Steps for Lesson 4
Ten Spending Leak Plugs
Sources and References
Changing a Habit