Become a Conscious Spender
Want to really know how you spend your money? Grab yourself a notebook and track your spending down to the penny for a month. There’s nothing like the facts in black and white to make you aware of how you’re using your money. Record everything: cash purchases, debits, bill payments, and credit card transaction. Write down how much you spent, on what and the date. At the end of each week, review your notes. How often did you buy something? How much do you wish you hadn’t spent? What are you going to change?