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Keep a Spending Diary

One easy way to keep monitor all your expenses.To get a feel for exactly how much you are spending every month, keep a spending diary where you write down everything — let me re-emphasize that — EVERYTHING that you buy, no matter how small. At the end of the month go through it add up all like items to get a good picture of where your money goes. If you do this for several months, modifying your spending as you go, you’ll be pleasantly surprised how much your spending shrinks over time.

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