The Spend Track and Reflect (STAR) journal has been designed to help you to understand how money makes you feel and how this may be impacting on how you spend money from time to time. Money and how it is spent can create positive emotions throughout our life journey like happiness or negative emotions like sadness. As we change throughout our life journey so can our spending habits. This journal is a way for you to reflect on how money is a part of your journey and help to identify when to reach out for help when it might be needed.