In this episode of Linda's Life Lessons, Linda carries on the discussion about budgeting and personal finance she started in Getting Started with Budgeting and Personal Finance.  If you haven't listened to that yet and don't have your 30 day diary you can Listen to Getting Started with Budgeting and Personal Finance here. 
Linda describes what to do next after you have your 30 days of spending data and how to put together your personal spending plan.  She explains how LIFE gets in the way of a budget and why your spending plan needs to be flexible and revisited as your life situation changes.  
A spending plan is so important because it helps you live within your means, spend wisely, reach your financial goals and prepare for financial emergencies.   
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