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Know where your money is going

by Vicki Simons
(USA)

Money passing from one person to another.

Money passing from one person to another.

We devised a "Spending Diary" to help you know where your money is going.


This tool very useful for those who do not yet have a budget set up and have no clue how much money to allot to each budget category.

It can also help you spot where you're spending too much or too little -- as well as any impulse spending you've been doing.

For 30 days, write down
* what you bought,
* when you bought it,
* how much it cost and
* what you were feeling when you bought it.

To assist you in writing down (recording) every purchase, get receipts for every purchase and if it isn't on the receipt, write what you bought on the receipt.

Depending on the store, some receipts may have items labelled in strange ways. So, it is best to review the receipt right away to make sure it lists what you bought in plain language.

Writing down what you spent will help you form some accountability, at least to yourself. No longer will you be able to say, "I don't know where all of my money went!" Indeed, you'll know where your money is going.

To obtain a free Spending Diary, head over to our Free Downloads page.

Let us know how this goes for you this year.

Click here to post comments

Join in and write your own page! It's easy to do. How? Simply click here to return to Budgeting Idea.





For more money saving tips, see the lists of links at the top or bottom of this page or visit the Truck Drivers Money Saving Tips home page.




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