In order to reach our long term goals, we need to know our start point. The best way is to do a Scenario budget of weekly cash flow. Break your vehicle registration and other larger expenses down to a weekly amount. For example I know my car & motorbike cost me $25 / week for registration. Use pencil and don’t pressure yourself to “stick to a budget” – that’s unrealistic. Over the next few weeks record what you spend on the different categories and then amend your pencilled figure in your Scenario budget if required.