Robert Brokamp

And there's lots of good stuff out there.

Lots of free spreadsheet templates on the internet.

You can go to budgetsaresexy.com, which is a great website to have templates for budgeting.

There are tools like Empower, Monarch Money, Quicken, Rocket Money, Tiller, YNAB.

YNAB standing for You Need a Budget.

The goal is to find the best way for you to track your spending and net worth.

And if you haven't started with us since last month, go ahead and do it now.

It's not too late.

And I think what people will find is if you do it for a few months or even a few weeks, you're going to find that a lot of your expenses are fixed.

Still good to know that, but they're fixed.

You can't do much about them.

And they're really just a few categories that you should work on, right?

You mentioned going to the grocery store for me and my wife, because we're doing this too.

It's food away from home, like dining out.

So we're trying to cut back on that.

And then we realized like we always do every year, how much we spend on the holidays.

So having a separate fund, you know, that we could contribute to that each month during the year

could be a good idea for us.

All right, let's move on to step two.

Choose a debt strategy on purpose.