1. Are there any spending amounts or items that you might consider reducing or eliminating?“I’M NOT SURE SPENDING FOR LIFE INSURANCE IS NECESSARY FOR MY LIFE SITUATION.”

Directions As you continue to record and monitor spending in various categories, be sure to consider how various decisions will affect your long-term financial security. Various comments you record might remind you to consider possible changes you might want to make in your spending habits. The Daily Spending Diary sheets are located in Appendix D at the end of the book and in Connect Finance.