This goes for both you and your partner if you are working on combined finances. It might be difficult, but start off with just tracking and zero judgement. Of note: Don’t be hard on yourself if you are surprised by your spending habits. Take the average over that time period for an idea of what you are spending.
You’ve tracked for the last month or two, now what?įirst, go back in time and review the last 3-4 months of spending.
#TRACK MY DAILY EXPENSES HOW TO#
See How To: Track Your Personal Finances for tips on how to get started. Experiment over the next few months and find what level of detail works for you. The most important thing is to do the tracking. Or, you may prefer to see as much detail as possible in order to really pinpoint where every dollar is going and how you may be able to cut costs and save more next month. That is totally up to you! You may prefer to keep it super simple and just use some of the main categories and list individual expenses throughout the month all together.
Service worker gifts (teacher, admin, coach).Your expenses should no longer be greater than your income) (Include all expenses in every category as you spend it, whether it was paid by cash, debit or credit, therefore I don’t include monthly credit card payments as you already accounted for the purchases in your expenses.Anything that doesn’t quite fit into any category.Flexible Spending Account (FSA) for health or childcare.Work meals (cafeteria/eating out because you don’t have a lunch or choose to not eat it).
Other forms of transportation and associated maintenance (bike, motorcycle, recreation vehicles).Auto repair (estimate based on make/model/year of car).
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