Fearless Budgeting Course #2: Working with Your Spending Plan

Developed by a recovering compulsive spender to address the unique challenges faced by compulsive spenders | taught by Susan B.

Course description

Once you have your spending plan foundation, you need a method to track your spending ongoing to help you live within your means. In this course, you will learn all you need to successfully work with your spending plan. Each lesson contains an audio and text. There are three video demonstrations. 

Note: This course is for those who already have their spending plan foundation. If you do not yet have a spending plan, you will want to first take Course #1: Foundational Course Creating Your Spending Plan.

Please note that the online course is free, but you can optionally purchase a print or Kindle version of the book and a download of all the audios for offline listening.

LENGTH: 3 hours, 19 minutes (audios) and 1 hour for the videos

Topics include:

  • Tracking and recording your day-to-day spending
  • Must-have components of any spending plan system
  • EXCEL WORKBOOK for those paid weekly with automatic calculations!
  • How to reconcile your spending plan with your bank account
  • Limiting errors when reconciling and finding errors quickly when there is a problem
  • Dealing with cash
  • Balanced gift giving
  • Living in the next month
  • Debt repayment
  • Where to find checking accounts that pay you interest
  • And much, much more!

What Software is Used for Training Demonstrations?

I do use budgeting software, when necessary, for screen shots, demonstration purposes in Course #2, and in my videos. My training tool is a user-friendly budgeting software program called YNAB (or You Need a Budget). Using my affiliate link, you will receive THREE MONTHS FREE TO TRY YNAB

I’ve been using YNAB since 2009. This software is the closest I’ve found to a virtual envelope system, the perfect tool for compulsive spenders. YNAB is free to test for 34 days. I also discuss other methods to work with your spending plan, and you can use the concepts in the Fearless Budgeting training program with any system you use, from paper and pencil to spreadsheets to budgeting software.

I will also be including some YNAB-specific training videos to clarify issues that some YNAB users find frustrating. For instance, people often come to me with problems around reconciling with their bank account, an error that they just can’t figure out, or confusion around functionality, such as how to account for cash in YNAB.

Susan B.
Susan B.
Spending Plan Trainer

I’m Susan B., a recovering compulsive spender. My expertise lies in working one-on-one with other compulsive spenders to overcome the fear of looking at their numbers, walking them through creating the foundation for their spending plan, and providing technical training to teach them how to work with their spending plan and use budgeting software.

I've created a 54 episode podcast about recovery from compulsive spending, where I share my experience, strength, and hope to help you on your journey. Now, I’ve also created a a complete online budgeting training program that contains everything I teach in my one-on-one training.

If you want help creating or maintaining a spending plan, this training program is for you. Even if you already have a spending plan, the training will be a helpful refresher and will likely provide you a with new perspectives and tips. The Fearless Budgeting Training Program includes the exact same process I’ve successfully used with my one-on-one students since 2010.


You might also want to take a look at the Getting Out from Going Under Daily Reader for Compulsive Debtors and Spenders. Filled with practical tips, inspiration, and a thought for each day, the Daily Reader will encourage and motivate you to stay on the path of recovery.

Please feel free to reach out to ask me questions at fearlessbudgeting@gmail.com. 

If you take the training course, you can also post questions in the student discussion forum.

You can also find me at:

FearlessBudgeting.wordpress.com

GettingOutfromGoingUnder.wordpress.com (recovery blog)

ICantStopSpending.com (podcast)

Course Curriculum

**Please Read This First**
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Lesson #1: Welcome
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Lesson #2: Components of an Effective Spending Plan
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Lesson #3: Options for Working with Your Spending Plan
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Lesson #4: How do You Get Paid?
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Lesson #5: Living in the Next Month
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Lesson #6: If You are Paid Weekly
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Lesson #7: More on Periodic Bills
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Lesson #8: Romancing Temptation
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Lesson #9: Keeping Track of Your Numbers
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Lesson #10: Automatic Withdrawals & Deposits
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Lesson #11: Reconciling
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Lesson #13: Your Partner & the Spending Plan
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Lesson #14: Children and Your Spending Plan
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Lesson #15: When Parents Give Us Money
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Lesson #16: Lending Money
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Lesson #17: Gift-Giving Tips
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Lesson #18: Moving Money Between Categories
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Lesson #19: Delayed Gratification
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Lesson #20: Dealing with Debt
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Lesson #21: Quick Tips Regarding Refunds & Library Books
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Lesson #22: Checking Accounts with Interest!
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Lesson #23: Overview of My Spending Plan Process
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Lesson #24: Congratulations & Thank You
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