Step Three: Track Your Spending
"You can do a better job of keeping some of your money once you find where it's going," says Bach. So give yourself a full-on reality check. Starting today, stash a small notebook and a pencil in your purse to keep track of every single daily expense, from Monday's $2 coffee to the $50 you spent for groceries on Saturday. Tracking spending for at least one week, say Bach and Lawrence, will give you a rough idea of your money habits — as well as incentive to start changing them. Three pointers: 1. Count the small stuff: $0.95 candy bars, $2 for your son's lunch money. 2. Write down the exact number to the cent or round up to the next whole number or in $0.25 increments. (Don't round down!) 3. Guess. If you forget to record, say, how much you paid for gas yesterday, at least jot down an estimate.
记账
记账是一个好习惯，你可以通过记账知道自己的钱主要花在哪些方面，从现在开始，准备一个小账本和笔，每天记账，包括2 美元的咖啡，50美元的购物账单。