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.