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Last week, I asked you to track your expenses. Just one week of writing down everything that you spent money on.
- Make you more cautious of what you spend before it leaves your hand.
Make you see where you are really putting your money.
- That $4 McDonald’s breakfast, twice a week, ads up to $32 a month.
That daily $3 gourmet coffee ads up to $60 a month.
That $5 pack of cigarettes ads up to $50 a month, if a pack lasts you 3 days.
Those are simple examples of things you wanted, but didn’t NEED.
Did you find yourself thinking twice before you spent any money this week?
When you are concentrating on keeping a record, it tends to make you more conscious of your choices, the same reason that the weight loss programs all have you keep a food log.
Now, how could you save on those things on my simple sample list?
- A $4 box of cereal will get you 4-6 breakfasts (but we would never pay full price for a box!)
- Making coffee at home could cost you $20 a month, after you buy your own beans and make it at home. Throw a little vanilla extract or cinnamon over the grounds before you brew to make it “gourmet”.
- Seriously, quit smoking. That $50 is a drop in the bucket compared to the real cost to your health!
How much money do you bring in a month?
- Now subtract the list of the items you HAVE to spend money on (rent, utilities, insurance, etc).
- This lets you know what you have left to spend a month (not that you have to spend it all)!
Until then, keep tracking your expenses. Get a full view by continuing to journal it for the entire month.