To help decide if something is worth spending money on
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Will it improve our safety?
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NO
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Will it improve the health of our environment?
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NO
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Will it decrease an expense?
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NO
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Will it decrease our debt?
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YES
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Do it.
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YES
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YES
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YES
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NO
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Is there a substitute that will work for the short term?
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Is there a substitute that will work for the short term?
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NO
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Label it 3 and add it to the financial plan.
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Will it improve our quality of life?
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NO
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Put it at the end of the financial plan.
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NO
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YES
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YES
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YES
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Label it 1 and add it to the financial plan
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Label it 2 and add it to the financial plan
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Label it 4 and add it to the financial plan.
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Is there a substitute that will work for the short term?
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YES
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Label it 6 and add it to the financial plan.
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NO
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Label it 5 and add it to the financial plan.
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Spending
