Budgeting doesn’t mean “financial dieting”. In this section you will learn concepts to help you understand where your money is going on a day-to-day basis and to create a budget that works for you.

Key Concepts

  • Set Priorities — The A, B, C’s
  • Create a personal budget
  • Identify changes needed to reach financial goals
  • Track your budget


The 3to1 Foundation Budget will help you understand:

  • How money is currently spent.
  • How spend levels compare to what is earned.
  • What spending changes might be necessary to reach financial goals.

You can email the budget upon completion.

Step 1 of 7

  • Housing:

  • Monthly

  • Annual

  • Monthly Payment
  • Insurance
  • Taxes
  • Telephone
  • Utilities
  • Cable Service / Internet
  • Repairs / Maintenance
  • Home Improvements
  • House Cleaning
  • Yard Service
  • Homeowner's Dues
  • Household Goods
  • Food / Groceries
  • Clothing

Lifestyle Expenses Pie Chart

Lifestyle Expenses Pie Chart

Enter a numeric value in each category below to calculate your lifestyle expenses. You can email the chart upon completion.


A, B, C Priorities

  • Set A, B, and C Priorities

    Enter your priorities in the worksheet. You can email them upon completion. Review your priorities often.

  • A Priorities – Necessities (Food, Water, Shelter)

  • B Priorities – What is important to you (Vacation, Hobby, Passions)

  • C Priorities – Where you can save! (Expenses that you can cut back or cut out.)

Your Coffee Habit is Costing You