Toolkit Benefits

The most powerful thing you will gain by completing the NINE12 Toolkit worksheets is knowing your number.  That is the number that it takes to live within your means given your current spending habits.  Oftentimes we do not take time to identify where our money goes and we work diligently each day and do not feel as though we are getting ahead.  In fact, when you define your spending habits and use the numbers as a goal to live by, you will know with certainty what you are working for.  You will not spend more than you are depositing because that spending decision was made ahead of time.  Rather than being oppressive, a spending plan is the first step to feeling free from financial bondage.  You decide where your money goes.