Don't be scared off by our use of the "B-word." Creating a spending plan - that's our preferred term! - is a key step to successful money management and I (Daria here) am going to take you through setting up a simple, do-able method. In five easy steps, you'll have a clearer picture of your finances and a better grasp on where your money is going. I'll also share tips to staying on track and avoiding over-spending.