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From Financial Integrity

Step 3. Where is it all going: Monthly tabulation

In Steps 1 and 2 you’ve taken a look at your finances, past and present, and have started to track the daily flow of money in your life.

With Step 3 you use the information gathered in tracking to see what patterns are emerging. You establish your own spending categories and create a monthly summary or “tabulation” of your expenses and income, including how these activities affect your bottom line at the end of each month.

This is different from a budget, with its arbitrary estimates of future spending. A monthly tabulation shows what you are actually doing with your money in the present and provides an accurate portrait of your lifestyle and spending patterns. The practices of Steps 2 and 3 form a foundation for Step 4, where you will learn how to evaluate those patterns with an eye to increasing your fulfillment.

To learn more about how to do this step, download the Financial Integrity Program Guide.

Go to Step 4. Three questions that will transform your life


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