You can work on form 1 (Average Monthly Income & Outgo) which we will complete during our consultation. We will be using the percentage guide to create a guideline after which to create your future budget.

For the information gathering part of our process you will need: your current pay stubs, last tax return, list of monthly expenses with amounts (see Form 2 - Daily Journal), copies of your debt/loan/credit card statements with the payoff, interest and minimum payment amounts. List your goals (personal, financial; long term and short term). Begin to make a list of ides of how to: Increase your income, reduce your debt and control spending (see the Bondage Relief Hints for suggestions).

Begin recording your daily expenses on form 2 to clarify your form 1 information.

This is an exciting process of organization and clarity. The Lord has ideas of how to increase your income, eliminate debt and reduce spending waiting to share with us.

There will be reasons to prevent you from completing these tasks, but remember that there is wisdom in a multitude of council. God has a better way. God Bless you in this new journey.