How to Keep a Watch on your Spending Habits

•	Write down all of the poor spending practices that you need and want to change.
•	Write down how you plan to bring about the changes in each area.
•	Construct a cash-flow sheet showing income and outgoings.
•	Set up and implement a spending-plan.
•	Discontinue borrowing and using credit cards.
•	Begin collecting and making notes on your cash purchase receipts.
•	Begin saving a little bit, everyday.
•	Look for alternatives and substitutes to spending.
•	Start utilizing discount coupons for rebates.
•	Wait for the sales. Comparison-shopping can save you a lot of money.
•	Take advantage of factory seconds rebuilt and used items where practical.
•	Start doing things for yourself that others were paid to do previously.
•	Separate shopping trips (when comparing prices, value,, etc.) from spending trips. (when actually making the purchase). Avoid carrying credit cards or extra cash on shopping trips.