First, you need to figure out how much money you have. You can do this by looking at your bank statement or checking the balance on your credit card. Next, decide what you want to spend that money on. For example, if you want to buy a new car, then you would need to estimate how much it costs and then multiply that number by 3-5 years so that you know how much it will cost in total. Finally, add up all of the expenses for