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Once you make a smart money goal, you don't stop there. 

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You need a plan to make the goal happen. Specifically,
you need to create and follow a spending plan.

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We'll show you how with what we call the Knowl's simple five-step...

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... spending plan plan.

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It will help you keep track of your money so you can make
your goals a reality.

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To start, we need to mention....the dreaded B word. 

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That's right - Budgeting. This word may bring to mind
things like cutting coupons,

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sofa-diving for quarters, and never having any more fun
in life.

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But when done right, budgeting isn't actually about
restricting yourself - it's about PLANNING. 

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And taking control over where your money goes, so
you can put it toward the things that matter most.

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This is why it's called a Spending Plan. And making and following one is simple.

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Ok, there are five steps in the Knowl's Five Step Spending Plan Plan...

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First, Know your income

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Then, Figure out your fixed expenses

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Third, Set your savings goals

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Fourth, Calculate what you've got left

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And finally, track, test, and adjust.

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We'll go through these steps in more detail in the course.

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And once you understand and use them, 

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you'll find you'll have a lot more control over where things
go and what you do with them.

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So, what are we waiting for? Let's get started creating a
Spending Plan.