Planning your spending helps you manage your money more effectively.
Getting your goals down in black and white helps you focus on what's really important to you. Nothing is too trivial or too fantastic, at least in the initial planning stages. And creating a complete list of what you'd like to be able to afford in the future will probably help you clarify your priorities.
A spending plan will help you save more, be able to afford more of the things that are important to you, and get your spending under control. You need to analyze your expenses and where you are prioritizing the money you are spending. Then make a plan for how you'll spend your money in the future.
To help get started, think about the answers to the following questions. It might help to write down your responses.
Beginning your spending plan: