Lulu, my Spending Planner Coach is very pleased with my progress. Three weeks on and we are gradually getting a better picture of my personal budget. With the SPI system there are graphs and charts (who doesn’t love a pie chart!?!), and I can see clearly where and when we will come unstuck. It’s somewhere around March 13, 2020. In our modeling, my ins and outs are outta sync, and in about 9 months it’ll all come crashing down.