For instance, leave out discretionary items such as vacations. Tracking spending really means writing down everything as you spend it. Sometimes by the end of the day I've totally forgotten where I've gone, much less where my money went. I like to pretend I have an envelope for every spending category with as much money in it as I need for the month. As I spend the money I subtract it from the total I started with.
Saving Is Unfair.
Your Budget Use this sheet to track your family's spending. Saving Is Unfair. Copyright 1999-2001 MyPrimeTime, All Rights Reserved. Inc. The names of actual companies and their products mentioned on this site may be the trademarks of their respective owners.