— Step 5: Budget Your Spending —

You need positive discretionary income for the BLOC program to be successful.

This means your income must be greater than your monthly expenses. The higher your discretionary income, the faster the BLOC payoff when you add college expenses to the balance.

If you're living from paycheck-to-paycheck, you need to conduct a budget analysis to reduce your monthly expenses.

Why Budget:


go to Success Plan: Step 6


10-Step Success Plan

  • [view] ST5: Budget Spending

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