Tip: keep a spending log

Keep a spending log, and an income log if your paycheck varies from week to week. Like dieters who record their food intake, the mere act of writing it down regularly can help get it under control by building awareness. Small purchases, especially, can go by unnoticed, but they add up fast and suddenly the wallet is a hundred dollars lighter, much of it spent on things we didn't need. Keeping track for several months also provides enough information to start thinking about making a budget. Too many people try to start with a budget before they know what they regularly spend, get frustrated when it doesn't come out, and quit, and that never helps. Just find a notebook of a comfortable size (not something I would recommend for the computer! even a handheld that you can take with), a comfortable pen, and write down everything you spend when you spend it.