Write the next sentence in this paragraph:

How to economize home costs
Work out where the money is going.
It is vital to know where your money is going. It is not possible to find areas where you can save if you do not have a clear picture of exactly what you are spending your money on.
Carry a little ledger or notebook around with you and jot down every penny that you spend. While it is obvious to include expenses such as rent, utilities, groceries and gasoline, you must also include all small amounts such as morning coffee, lunch take-out, snacks or lottery tickets.