“The better you manage the money you have, more money you’ll have to manage!” A Monthly Budget: Organization and insights into making your money management more efficient.

Ever wish there was an easy way to convert “I want…” into “Let’s make a plan to make it happen…”? MoneySmart Ch3 Tour: one-page organizer helps you break down big goals into tiny bites!

Kassie said, “I can’t run a budget, I live on tips…” MoneySmart ch4-5 Incomes: track sporadic income or income from varied sources so that you can plan to use it efficiently.

MoneySmart Ch8 Tour: focus the financial energy you have to vaporize your debts, prioritize debts for quicker pay-off, and learn which factors are most important in debt-reduction strategy.

MoneySmart Ch9 Credit: lower expenses, borrow money easier, and have credit cost you less in interest. “Learn the bank’s game, but play that game by your rules.”

There must be more to your creation of value and service than “trading time for dollars”. Time is limited. Creating sustainable cash flow involves different strategies than a job.