Personalized Spending and Savings plan

We use a "Spending Plan" instead of a "Budget". For us, the difference is obvious: The very word "Budget" denotes restriction, but a "Spending Plan" leaves room for what we call "The Categories of Life" - like recreation, clothes, grooming, vacation, gifts etc."

We know these categories can also be included in a "Budget", as well, but we focus on them so that you have a life while you're getting out of debt.

Also, at Creative Cash Control, we've learned that the majority of Savers and Spenders marry each other! Our Spending Plan takes that into consideration and we show you how to use your individual strengths to bring financial unity to money matters.

The entire process is simple. Since it is not complicated and is actually fun to do - you'll stick with it! Eventually you'll teach it to your children.