Preparing and analyzing your budget: The first step in any decision making process is undoubtedly the preparation of a budget. With our assistance, we will begin by determining your monthly net income and the costs that you face on a monthly and yearly basis. Many costs are easily quantifiable (ex. rent, car payments, electricity, etc.) while others are based on recognized standards and norms (ex. clothing, food, outings, home maintenance, etc.). Once prepared, and if necessary, we will suggest a course of action to achieve a balanced budget.