- Commit to tracking your spending. You don't have to change your spending habits right now. We're just going to start writing it down.
- Get a notebook and carry it with you at ALL times.
- Write down every time you spend money immediately. Make sure to include purchases by cash, credit or check. Record how much you spent and for what (how much for food, movies, clothing, electric bill, etc). Be specific.
- Plan to track your spending in detail for 2-3 months.
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