A spending sheet helps you decide how to spend and allocate your money. Whether you can spend less money on some things and more money on other things. This educational talk provides practical, simple strategies and helpful tips on how to build a reasonable spread sheet, track your needs, wants and debt expenditures and how to keep them up-to-date.

Lis Arcienega,  a Maui resident, is an insurance adviser and financial strategist. She strives to help families, individuals and our communities become financially literate. Lis holds a Master’s degree from Hunter College in New York City.

All programs are subject to change. If you require an auxiliary aid or accommodation due to a disability, please contact the library at least 7 days before the program date.