• What habits (good or bad) have your parents modelled to you in handling money?
  • What good habits would you like to make part of your life?
  • Have you ever used a budget to control your finances?
  • What are the benefits of using a budget?
  • What surprised you when you made your budget?
  • How do you keep track of your actual expenditure right now? Do you have any apps or software that you use?
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