1. What portion of your available finances involve saving or investing for long-term financial security?“KEEPING TRACK OF MY DAILY SPENDING GETS ME TO START THINKING ABOUT SAVING AND INVESTING FOR RETIREMENT.”

Directions The consistent use of a Daily Spending Diary can provide you with ongoing information that will help you manage your spending, saving, and investing activities. Taking time to reconsider your spending habits can result in achieving better satisfaction from your available finances. The Daily Spending Diary sheets are located in Appendix D at the end of the book and in Connect Finance.