Companies have them, but why should they have all the fun? They form the basis for a lot of budgeting work and setting the action and work plans for the coming year.
So why not use a similar approach for yourself? I mean, you do have a personal income statement and an expense line or more, right?
With a little diligence, you too can have an 87.5% chance of having a merrier Christmas season next year.
We walk through processes on the way to a fatter bank account next year.