Debt Mastery Program: create a record of your spending
Use all the numbers that you have been putting together, to create a record of your spending everything from food, water to weekend breaks. Yes, the Debtwatchers Debt Mastery Program allows for it, we do not believe in depravation.
Look at the list of categories we have provided and add anything that is appropriate for you. Backtracking actions to-date, enable you to watch your expenses and your income. For some maximising income is as important as cutting expenses are for others.
Also, spend your time recording your feelings you are bound to have some but getting in touch with them might not be something you are used to.
By the end of the month, you will have the truth, you will have created a full record of 4 weeks of spending and it’s this information that gives you the opportunity to plan for your spending, which is what the DebtWatchers Debt Mastery Program is all about.