You now have a full picture of your expenses, not just Murphy, but for the entire year. How does it feel? Probably not so great, because we've been talking about spending so much of this money. Stick with me stay with the process. I know that may be painful by now. But it's part of it.

It's part of your journey to manage your finances. And we're now going to start to gray, more positive energy and appreciation into this process. So stick with me. What you've done so far, by the way, is actually advanced financing because we have accrued, this is the technical term, all the costs and expenses that are planned for the 12 months, and we have accrued for them on a monthly basis. So well done. This is really anticipation and acting in a proactive manner on your finances.

Now, it's time for you to add your revenue. Yeah, we've talked a lot about expense says so in this chapter, I'm going to guide you through how you add your revenue into the picture so that we start balancing how much you spend, on average how much you earn.