Keep a Spending Log
The spending log is a simple but powerful tool. Keeping track of your money helps you control it, and taking the time to write down every purchase you make will give you a better sense of where your money is going.
Download a spending log in two different sizes:
If you forget to write a couple of purchases down, don’t get discouraged. Just keep going! After a few weeks of tracking your spending, go back and see where it all went. Then you can project what your spending for the month will be. If you track for a full month, you’ll be able to create a budget.
If you have a smartphone or tablet, you can download the free Balance app and track your spending on the go.