If you're going to budget, you need a strong idea of why you are. This means spending time thinking about what it is that you WANT to BE, DO and HAVE, plus what you NEED for financial security.

Use the next few pages to plan what you want to Be, Do and Have in your life. Let your brain go wild!!

Everytime you think of something else, add it to the list. Make this special! Once you've finished this, you might like to stick it onto a vision board.