Do you know where your funds go? There're lots of persons who grumble about the lack of money, or that they need to earn more. But if we would ask such individuals how much funds they need, we wouldn't have straight answer. They don't think about how much they need to compensate for their invoices and some other everyday expenditures. They don't realize anything about their expenses. In case you spend money the same way you must strive to count it.
Most of us make anything just out of habit do not striving even to find some variants or analyse financial possibilities. That is why there are situations when you get no funds anymore and you will get your salary in a week, event don't having a loan with high interest rates.
So, the first thing is to get book for taking down and calculating all your expenses during the month. Take everything down separating your expenses by months or quarters. With the assistance of this method you would find where you spend the majority of your funds. But, take into consideration that there're some events when you buy gifts and other things and these events don't occur every month, for example someone's birthday. Do not forget to take into account such expenses and leave checks for the first few times. With the help of this system you will get the entire picture of your expenditures during working month, quarter or year.