1. Annual Budgets
2. Assessing Alternatives & Scenarios
3. Values and Priorities
4. 1. Month-by-Month
   1. Identify Income/Expenses
   2. Assign Catagories
   3. Create Monthly Reports
5. 2. Budgets
   1. Analyze Monthly Reports
   2. Analyze Assigned Catagories
   3. Create Monthly Budget
   4. Create Monthly Budget v. Actual Reports
6. 3. Cash Flow
   1. Create a monthly schedule of income & expenses
   2. Assign timing of deposits & bill payments
   3. Moniter Budget v. Actual twice monthly
   4. Create a Cash Flow Report
7. 4. Debt
   1. Identify current debt
   2. Analyze use of Debt in Cash Flow
   3. Create a Debt paydown schedule
8. 5. Short-Term Planning
   1. Living within your means for a year
   2. Short-Term Debt Reduction
   3. Net Worth: 1-5 years
   4. Short-Term Spending Goals
9. 6. Long-Term Planning
   1. Net:Worth: 5+ years
   2. Long-Term Spending Goals
   3. Expanding Assets
   4. Reducing Debts