Money Matters - Cash Flow Management (Spending vs. Saving)

Why we picked it

**Introduction** Welcome (back) to **Money Matters**, a weekly-ish discussion group relating to topics of personal finance and financial education/literacy. Attendees are encouraged to share their personal experiences related to finances to help others learn and achieve their financial goals. It is planned to repeat all the sessions from last year for those new to the group in the last 6 months, or those who couldn't attend. **Topic** The topic will be **Cash Flow Management (Spending vs. Saving)**. Once you make some money, you have to decide what to do with it. We all have regular expenses that we probably don't think about that much, but then there are times to consider whether to spend money on something or not. It is likely valuable to have a more intentional or deliberate approach when it comes to decision-making regarding spending or saving money. **Discussion Prompts / Questions** * Do you use a budget or utilize budgeting tools? What do you find helpful about these? * When