In these tough times you need to know what you spending money on and also where you can save money. We go through what you are spending on, putting this on spreadsheet and then looking at ways to reduce these costs. Then we can build you a budget based on understanding what your monthly costs are and set goals to reduce costs over time. There will be a series of calls so we can work on each step and then reviewing and make improvements as we go along. This is suitable for an individual and a small business.