My long-term exposure to poverty had such a profound impact on my relationship with money. When I got serious about making some REAL changes and developing a better relationship with money, this was the tool that opened my eyes to my poor spending habits and helped me turn it around.”
Tammy T. Thompson, Author
ABOUT THE SPENDING LOG
At one time or another most of us have experienced some kind of frustration when trying to get a grip on managing our finances. No matter what your income bracket, let’s face it, money has a way of getting away from us. Over the years, I’ve learned that tracking your spending habits is the first step to gaining control over our finances.
In every financial education workshop that I’ve developed and facilitated, every one-on-one counseling session and every credit or budget workshop, we discuss using the spending log. I’m now known as “the spending log lady” when I run into people who have heard me discuss this very important tool. I hope that you will find this tool as beneficial as I know it can be.
One of the best ways to assess your finances is to pay very close attention to how much money you have coming in and how much is going out. Tracking your income and expenses should be the very first step in preparing for developing a budget. Using a spending log will reduce the amount of guessing that is done in budget development. You will have actual numbers for each category of spending.
WHAT PEOPLE HAVE SAID
I learned the spending log technique in a class Tammy taught and to my surprise it was eye opening. It clearly highlighted my habits and priorities. Taking an honest look at my spending helped me to align my habits with my goals.
"Helping low income clients was made exponentially easier once I learned Tammy's methodology. Its brilliant, relevant, and easy to explain"
I attended a financial/budgeting group facilitated by Tammy. I learned more about why budgeting is important. I was given a journal to write down, and track my daily spending. In doing that, I was able to get a more in depth look at my where my money was going. I was also able to learn to prioritize my needs over wants. As a result, I am able to save more money.
One year ago I attended a workshop and the focus was getting back on track financially. I made a promise to myself to stay consistent with my spending log from that date until today which has been one year. I've been able to pay my bills on time debt free as I watch my credit score increase...Thank you Tammy for providing the tools which helps a single mother like me live above poverty
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About The Author
Halima Tammy Thompson's personal route from Bluefield, West VA to Pittsburgh was paved with unfortunate occurrences, homelessness, loss and countless obstacles. The story of her journey, “One Can of Carrots” has become one of her signature talks and resulted in the creation of workshop and curriculum rooted in her expertise of The Psychology of Poverty. The Psychology of Poverty training gives participants an opportunity to shift their perspectives and recreate how they’ve been impacted by the psychological implications of poverty—it provides an avenue to re-route their relationship with money. She says “Poverty is not just about NOT HAVING MONEY.“
“Facing our Truths will be the key to adopting new habits and having new experiences that can guide us to new futures for us and our children”
Tammy is a Poverty Expert, Nationally Sought After Speaker, Executive Producer of We Wear The Mask, a documentary released in 2017 highlighting the stigma associated with women in poverty and The Owner of T3 Consulting and T3 Media. Her work has been featured in The Pittsburgh Post Gazette.
She is a mother of five and grandmother of 17. She now lives in Pittsburgh and is raising her granddaughter.