In a one- to two-page reflective essay, typed and double-spaced, answer the following questions. Make sure you proof the essay for grammar and word usage mistakes. Were there areas that you spent too much money? How do you plan to compensate for that in the future? After a month of tracking your personal expenses, will you make any changes to your spending habits? Do you feel that you have developed a plan for sensible spending that you can stick with? Do you have any long-term financial goals (retirement saving, home purchase, college loan debt repayment, etc) that you were able to work into your budget? Did you have to make any compromises to accommodate these goals?