Section 2.1 Your Personal Financial Landscape 39
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or reduce the cost of items you buy? Perhaps you can make a gift or do
something for someone rather than buying a gift. Maybe you can cut
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out books or movies at the library.
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you pack a lunch instead of buying it? Try a generic shampoo instead of
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soda and potato chips, or you can walk instead of driving or taking the
bus.
After you figure out how to stretch your income to cover your needs,
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Prepare a Budget
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spending plan. A plan reduces the temptation to spend carelessly. The budget
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First, fill in the planned income amount from the estimated income
worksheet. Record the total income on the budget.
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Anton Oparin/Shutterstock.com
Philanthropy can be a donation of time as well as money.