Not all financial goals are equally important; some can wait, while others might be urgent. For instance, saving money for a luxury item should normally come after paying off high-irummy nubobnterest debt. People can more efficiently use their resources if they group goals according to their importance and urgency. This process of setting priorities gives one's financial journey direction & purpose in addition to aiding in money management. Income & expenses over a given time period are shown in a budget, which functions as a financial blueprint.