Living in today’s world is expensive. In order to live a financially balanced life, there are fundamentals you must learn. Getting your financial house in order is the key to living the life you truly want, with the income you have. Do I Have to? will teach you how to put that basic structure in place and purposefully spend your money. You can achieve what you want when you make a plan. In these pages, you will learn the fundamentals to create the balance you need to spend wisely, stay out of debt, and save for your future. You will also discover a different way to think about money and how you spend it. Starting with a shift in your mindset, you will determine how to adjust your spending habits based on what you value, your principles, and what you desire for your future. A solid plan takes time, patience, and commitment. In creating your plan, you will become more confident in who you are and where you are headed. Stick with it, you’ll be glad you did.