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Now that you have a better understanding of the income and benefits you receive, the next step is to know exactly how your income is being spent. When we spend more than we earn, we are living beyond our means. And whilst there be many varying reasons why we do this, we must learn to have better control over our spending. The first step is to know exactly where your money is going and this can be done by having a budget or spending plan. In this step, we help you to manage your expenses and work your way towards becoming debt-free.


  • Download the workbook and save on your PC or print it out.
  • Complete the required exercises.
  • You may also use the Excel spreadsheets provided in the LESSON RESOURCES section.
  • Use our Money Journal to keep track of your spending.
  • Keep records of your bank statements, debt, or other statements that will help you to identify your expenses.