“Focus your Money” helps people learn where their money goes so they can take control of it. I, John de Ridder, sit down with the client and go through a very detailed and comprehensive personal budget. The amount of detail is paramount. I do not leave anything uncovered. It is the client’s personal budget. No generic figures are used. We walk through the budgeting process.. See if there is deficit or surplus. Based on your unique financial situation, I can help you to learn ways to get the MOST OUT OF YOUR HARD-EARNED MONEY. If the client has a surplus income more than likely the surplus is gone and clients have no idea where it is been spent. Most people don’t budget so consequently they have no idea where their money is going from week to week, month to month. We can set up face-to-face meetings or meet up on Skype. The meetings will consist of the following: How is the budget? Compare- actual versus budget. Adjustments that need to be made Discuss future financial goals- Home purchase, second home …. Reiterate the importance of staying on track. Keeping focused and helping the client to remain positive and focused on their financial goals. Most people through my experience in the finance industry deal with finance in an emotional way and they tend to remove the commonsense rational approach. Focus your money will deliver that approach in a simple easy format for the client to easily implement and understand.