After a month of making expenses diary, you will find out how you spend your money now, which activities or items that waste your money. Cut down these unnecessary costs, the rest of the money you have will much more than in the past. You can make an easier decision for what you spend money on as well as have the larger overage money for saving or investing.
Continue practice recording expenses in a long time, you will have a good habit of spending money, you also should practice making a monthly spending schedule to become a smarter customer and keep your money never be waste again