This is a simple and quick tool that gives you a basic overview of what you can afford to spend. In other words, you will gain a good understanding of how much money you bring home, versus how much your expenses add up to every month. As you fill this worksheet out it will start becoming clear to you whether or not you need to cut expenses further to achieve your savings goals, or to avoid spending more than you are making each month. You may discover that you are exactly where you want to be. Wherever you are on the spectrum, the Money Smart Mom Savvy Spending System is a proven system that helps you take control and transform your financial future to achieve your personal financial goals.