covers the skills: Money Management, basic math, place valueA monthly spending and savings plan, or budget, will tell you how much you have to spend, where you’re spending it and what changes you need to make in order to meet your spending and savings goals. Customize it to meet your needs and resources—your plan won’t look like anyone else’s. Remember, a spending and savings plan is flexible. When your life changes, it will too.This document also includes:- Monthly spending and saving plan Use