The Keys To Riches™ Financial Wellness Series is a baker’s dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

Tune in to this week's Keys to Riches Number Seven: Break the Budget as host Heather Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills.

Listen every Monday morning on the Keys To Riches website where you’ll find our featured Key for the week from Heather’s Keys To Riches™ Financial Wellness Series.

This week's key is going to finish out our assessment and give us the most realistic picture of what our finances look like. Heather shares her unique way of breaking budgets and bad money habits to create a better more functional way to manage money.

Key Statement:

I know that trying to create and stick to a budget is a losing proposition because it can mean sacrifice and not truly addressing my financial challenges; therefore, to be truly financially independent, I must create and stick to a realistic healthy savings and spending plan.

Key Affirmation:

I have and live by a healthy savings and spending plan.

Key Commitment:

I commit to designing and living by a healthy savings and spending plan that suits me and my family.

Key Action Item:

Categorize your assessment envelope. Analyze your expenditures in each