As we head into the 4th quarter, you are super focused on ending the year with a bang, right? It is also the best time to start thinking about your plans for the upcoming year. Take a look at your current year to date actual figures and answer these questions:

How have you done so far compared to your goal? How well did I budget or was I way off track?

What expenses sprung up? Could they have been avoided or should I have planned for them?