If at the end of the last blog, you had a positive amount left from your income less your expenses, you can then decide how to use this discretionary amount. Are there expenses you have that allow you to have things you enjoy? Do you want to put this amount per month toward a family vacation? Do you want to put some into college accounts for children or savings accounts for a large expense? Are you putting any money away toward retirement and can you use some of this money for that purpose? The goal is to have enough income to cover both your necessary expenses as well as have some for these discretionary expenses.