For many people, this is the most difficult area to get a handle on. It is relatively easy to identify your income. Yet, when it comes to your outflows, it is difficult to understand where it all goes! Our job is not to put you on a budget. Rather, it is to help you through the process of identifying where it all goes. Once people have a handle on their cash flow situation, it is much easier to identify where additional savings will come from in the future.