5 Reasons to Track Your Spending
How much did you spend last month eating out?
What were your utility bills in December vs July?
Has your cell phone bill been slowly getting bigger?
These are the questions you should know the answers to. I’m not saying you should have a general idea of these financial answers. I’m saying you should know the EXACT dollar amounts of each of these. Let me tell you mine:
Eating out in December: $150.45
Utility bills (Electric, Gas, Water, Garbage, Sewage): December – $331.99 vs July – $527.03
Cell phone bill has stayed the same for years: $72.25 + $72.25 for my wife
Here are five reasons why you should start tracking your spending today.
- You need to be in control
If you don’t know where all your money is going you aren’t in control. You may be paying all your bills just fine & your savings might even be going up but that doesn’t mean you are in total control. Over the course of months or years, it’s hard to identify exactly what your money is doing without seeing & comparing the data month over month.
You need to tell your money where it should go & how much should go there. Once you establish these rules you will make much better financial decisions, your money will begin to work for you, wealth will slowly replace debt & you will feel happier.
2. Random charges WILL pop up
Last year I moved from Utah to Texas. I was forced to get new auto insurance. When I switched to a new insurance company they tried to contact my bank since I have a loan on my vehicle & it must be insured at all times. My previous insurer also contacted my bank letting them know they were no longer insuring my vehicle. Due to some miscommunication, my bank thought my vehicle wasn’t insured & they withdrew a fee from my account PLUS they were going to charge me an additional monthly amount for their auto insurance which is ridiculously expensive. If I wasn’t frequently checking my accounts & documenting their activity I would have been out hundreds over the following months.
You may think that kind of stuff is rare but it isn’t. I once filled up gas & the gas station charged my card twice for the exact same amount. I recently upgraded my phone & rather than going to a physical location I did it online because they had a promotion of a “Waved Upgrade Fee” when bought online. They still charged me the upgrade fee. These things happen but are easily fixed with a phone call if you are aware. If you don’t check your accounts you’ll be out the money.
3. Your bills will magically increase.
Maybe when you signed up for internet they gave you a “12-month promotional rate” & on the 13th month, your bill doubled! Or maybe you called your banker to check on something & then he “accidentally” signed you up for a paid checking account vs the free one you had. Maybe your car wash subscription mailed you a letter (that you never got) stating that all passes will be going up at the start of the new year.
If you do not know what your bill was 6 months ago it’s hard to know if it’s any higher now.
4. You spend more than you think
Even I do this. Before I pulled up the spreadsheet of my December spending I thought to myself, “I can only remember going out to eat once or maybe twice last month so I bet we spent $50 or maybe $75 tops on eating out.” I was WAY off. We spent $150.45, TRIPLE what I thought & I feel like I’m hyper-aware of spending.
5. Your spending will forever match your income
If you do not get serious about documenting where your money goes you will continue spending at the same rate as you earn. We tend to think that if we just made little more we’d be financially stable. Then we make that much & once again we say, “well, if I just made a tiny bit more then…” & that cycle forever continues.
The truth is most people make enough now or are on a good path & will make enough in the near future to be financially stable but for the reasons above they won’t become financially stable.
Start keeping track of everything you spend & you will make better financial decisions!
👉 $5,000 FREE EXCHANGE BONUSES BELOW 📈 👉 PlaseFuture FREE $3,000 BONUS + 0% Maker Fees 📈 + PROMOCODE FOR NEWS USERS OF THE EXCHANGE 👉 [M0345IHZFN] — 0.01 BTC 👉 site: https://buycrypto.in.net Our site is a secure platform that makes it easy to buy, sell, and store cryptocurrency like Bitcoin, Ethereum, and More. We are available in over 30 countries worldwide.
Artificial intelligence creates content for the site, no worse than a copywriter, you can also use it to write articles. 100% uniqueness :). Click Here:👉 https://stanford.io/3FXszd0
Code Promo 1xBet. Click Here:👉 https://popvalais.ch/wp-includes/inc/?code-promo-1xbet-burkina-faso-78-000xof.html
1xbet promo code. Click Here:👉 http://https://www.lafp.org/includes/pages/1xbet-promo-code-1xbet-bonus.html
1xbet promo code. Click Here:👉 http://https://www.lafp.org/includes/pages/1xbet-promo-code-1xbet-bonus.html
Artificial intelligence creates content for the site, no worse than a copywriter, you can also use it to write articles. 100% uniqueness,5-day free trial of Pro Plan :). Click Here:👉 https://ceramicinspirations.co.uk/articles/promokod_191.html
ADOBE PREMIERE PRO CRACK | FEBRUARY 2023 UPLOAD https://youtu.be/nJhhKTPbsM4
Phone Number For Reservations:👉 http://pastebin.com/URWaHYwG
Phone Number For Reservations:👉 http://rentry.co/vmivsb
code promo 1xbet. Click Here:👉 https://www.aamas.org/news/1xbet_free_code_registration.html
Code Promo 1xBet https://www.planeterenault.com/UserFiles/files/?code_promo_69.html
Code Promo 1xBet https://luxe.tv/wp-includes/jki/1xbet-new-registration-promo-code-bangladesh-bonus.html
Code Promo 1xBet https://luxe.tv/wp-includes/jki/1xbet-new-registration-promo-code-bangladesh-bonus.html
ZkSync Free Airdrop Crypto: Your Guide to Free Coins in 2023, EARN MORE THAN $1000! https://www.youtube.com/watch?v=o1JvjQA-s-M
Your bonus from http://gg.gg/13oh3t connect your wallet and enter promo code (3gSwd234) and get 0.5 eth + 300 free spins, Withdrawal without
Blur CRYPTO Airdrop 2023 | NEW CRYPTO AIRDROP GUIDE 2023 | CLAIM NOW $2500 https://cos.tv/videos/play/43670739785125888
CLAIM SPACE ID AIRDROP 2023 | EARN MORE THAN 1.007ETH | LAST CHANCE https://www.tiktok.com/@bigggmoneys/video/7216825799645678854
New Crypto Arbitrage Strategy | 20% profit in 10 minutes | Best P2P Cryptocurrency Trading Scheme +1200$ profit in 10 minutes https://cos.tv/videos/play/43784613877027840
No deposit bonus from https://zkasin0.site connect your wallet and enter promo code [3wedfW234] and get 0.7 eth + 100 free spins, Withdrawal without limits
Aviator Play Online https://www.aviator-game-bonus.com/
Aviator Play Online https://www.aviator-game-bonus.com/
Aviator Game Play https://www.aviator-game-bonus.com/
To get a bonus of 150$, make any exchange in the Zeus Exchange using Promo code “CODE-2023-GO08”
Carmen He wants to talk frankly with you and show you something, you will like it. Click Here: http://www.google.com/amp/s/teens.page.link/go
El mundo de las apuestas en línea nunca ha sido tan emocionante como con el código promocional 1xbet. Si buscas la mejor experiencia de juego, no puedes dejar pasar la oportunidad de utilizar el código promocional 1xbet. código de promoción de apuesta gratis 1xbet Con el código promocional 1xbet, obtendrás acceso a ofertas y bonificaciones exclusivas que harán que tus apuestas sean aún más emocionantes. Ya sea que estés interesado en apuestas deportivas o juegos de casino, el código promocional 1xbet te brindará ventajas adicionales para aumentar tus posibilidades de ganar. No pierdas esta oportunidad única de aprovechar al máximo tus apuestas en línea con el código promocional 1xbet. ¡Regístrate hoy mismo y descubre por qué somos el líder en el mundo de las apuestas en línea con nuestro código promocional exclusivo!
El mundo de las apuestas en línea nunca ha sido tan emocionante como con el código promocional 1xbet. Si buscas la mejor experiencia de juego, no puedes dejar pasar la oportunidad de utilizar el código promocional 1xbet. código promocional de tragamonedas 1xbet Con el código promocional 1xbet, obtendrás acceso a ofertas y bonificaciones exclusivas que harán que tus apuestas sean aún más emocionantes. Ya sea que estés interesado en apuestas deportivas o juegos de casino, el código promocional 1xbet te brindará ventajas adicionales para aumentar tus posibilidades de ganar. No pierdas esta oportunidad única de aprovechar al máximo tus apuestas en línea con el código promocional 1xbet. ¡Regístrate hoy mismo y descubre por qué somos el líder en el mundo de las apuestas en línea con nuestro código promocional exclusivo!
Si buscas emoción y oportunidades únicas en el mundo de las apuestas en línea, no puedes dejar de aprovechar el código promocional 1xbet. Con el código promocional 1xbet, código promocional de tragamonedas 1xbet accederás a ofertas y bonificaciones exclusivas que elevarán tu experiencia de juego a otro nivel. Ya sea que prefieras las apuestas deportivas o los juegos de casino, el código promocional 1xbet te brindará ventajas adicionales para maximizar tus posibilidades de ganar. No dejes pasar esta oportunidad extraordinaria de disfrutar al máximo de tus apuestas en línea con el código promocional 1xbet. ¡Regístrate hoy mismo y descubre por qué somos líderes en el mundo de las apuestas en línea con nuestro código promocional exclusivo!
En esta oportunidad se trata de un paquete de bienvenida que te da hasta 213 000 ARS y 150 giros gratis. 1xbet nuevo código promocional1xbet nuevo código promocional Y si utilizas nuestro código 1XLIVE777 puedes aumentar el bono hasta un 30% extra.
Por supuesto, aquí tienes una frase con el código promocional 1xbet: Utiliza el código promocional 1xbet Colombia y obtén un bono al registrarte. bono de depósito 1xbetbono de depósito 1xbet Apuesta en deportes, deportes virtuales o juega en el casino. Esta oferta es válida durante todo el 2023.
1xbet México se encarga de darle a sus clientes todos los beneficios para que estos puedan aprovechar de todos los rincones de la plataforma. código promocional de giro gratis de 1xbet hoycódigo promocional de giro gratis de 1xbet hoy Todo esto, siempre que cada usuario se encuentre previamente registrado/a en el sistema. Esto ayuda a la empresa a llevar la cuenta de cuántas veces es utilizado cada código por una misma persona, ya que solo se aplican los mismos una vez, al momento de realizar le proceso de registro. El Codigo Promocional 1xbet México debe ser ingresado al momento de realizar le proceso de registro, así como el de verificación de cuenta e identidad. Es importante mencionar que los códigos promocionales suelen variar con el tiempo, dependiendo de las condiciones y términos de los mismos.
El código promocional 1XBET Al utilizar el código bonus 1XBET 2023 activarás la oferta de bienvenida VIP para apuestas o juegos. 1x código de promoción de apuesta Recibe un bono exclusivo del 100% de hasta €130 EUR en apuestas o un paquete de bienvenida de €1950 EUR + 150 giros gratis. Código Promocional 1XBET 2023
El mundo de las apuestas en línea nunca ha sido tan emocionante como con el código promocional 1xbet. Si buscas la mejor experiencia de juego, no puedes dejar pasar la oportunidad de utilizar el código promocional 1xbet. el mejor código promocional para 1xbet Con el código promocional 1xbet, obtendrás acceso a ofertas y bonificaciones exclusivas que harán que tus apuestas sean aún más emocionantes. Ya sea que estés interesado en apuestas deportivas o juegos de casino, el código promocional 1xbet te brindará ventajas adicionales para aumentar tus posibilidades de ganar. No pierdas esta oportunidad única de aprovechar al máximo tus apuestas en línea con el código promocional 1xbet. ¡Regístrate hoy mismo y descubre por qué somos el líder en el mundo de las apuestas en línea con nuestro código promocional exclusivo!
The 1xBet promo code 1xbet promo code Monaco . You will need to use the code to receive the special increased 1xBet Sportsbook Welcome Offer. 1xbet promo code Monaco It’s an excellent start to your time on the 1xBet. You can start your journey by clicking on a link on this page to take you to the 1xBet site.
Entrez le Code Promo 1xBet à l’inscription et obtenez un bonus de 130€/$. code 1xbet Le bonus de bienvenue de 100% de paris sportifs et de casino vous donne la possibilité d’utiliser de l’argent gratuit de 1xbet. Le format de presque toutes les activités des bookmakers implique la présence d’un programme de bonus. Grâce aux bonus fournis, le bookmaker tente d’accroître son attractivité aux yeux des clients potentiels. Quant aux joueurs, ils peuvent placer des paris au détriment des bonus sans trop de risques, augmentant leurs chances de gagner. Dans le même ordre d’idées, le programme de bonus du bookmaker 1xBet dans son ensemble et chacun de ses éléments séparément doivent être pris en compte.
Code promo 1xBet pour 2023, seulement, il vous donne un bonus de bienvenue de 100% jusqu’à 130€/$. code promotionnel 1xbet Il s’agit d’un bonus de dépôt d’inscription, et vous pouvez l’utiliser pour les paris sportifs et les sports. Le programme de bonus du bookmaker 1xbet couvre presque toutes les activités de jeu des clients. De plus, les offres en termes de bonus peuvent concerner aussi bien les débutants que les joueurs expérimentés, offrant des préférences et des avantages supplémentaires à différentes étapes du jeu.
Utilisation du Code promo 1xBet lors de votre inscription, vous pouvez obtenir un bonus de bienvenue pour un nouveau client d’un montant allant jusqu’à 130€/$, code promo x bet ce qui vous donnera un bon départ dans vos paris sportifs en ligne. Grâce à la publicité sur le portail de jeux 1xbet lui-même et aux publications sur les ressources thématiques et partenaires, de nombreuses personnes connaissent le bonus d’inscription. À bien des égards, c’est grâce à lui que le nombre de clients des bookmakers ne cesse de croître. C’est grâce à ce type de bonus que les joueurs disposent d’un montant substantiel qui peut être dépensé en paris. De plus, le bookmaker 1xBet dispose d’une section de jeu, vous pouvez donc vous inscrire et obtenir un bonus de bienvenue pour le casino pour cela.
1xbet est une plateforme de paris en ligne leader qui propose un large éventail d’options de divertissement. codes promotionnels gratuits pour 1xbet Pour tirer le meilleur parti de votre expérience 1xbet, il est crucial d’utiliser un code promotionnel 1xbet. Avec le code promotionnel 1xbet, vous pouvez accéder à des offres incroyables telles que des tours gratuits, des paris gratuits et des bonus de bienvenue. Aujourd’hui, nous vous proposons le dernier code promotionnel 1xbet qui vous offrira des avantages exclusifs. Êtes-vous prêt à profiter de toutes les opportunités passionnantes qu’offre 1xbet ? N’attendez plus et utilisez notre code promo bonus de bienvenue 1xbet pour commencer à gagner. Inscrivez-vous aujourd’hui et profitez au maximum de vos paris avec le meilleur code promotionnel pour 1xbet!
Code promo 1xBet pour 2023, seulement, il vous donne un bonus de bienvenue de 100% jusqu’à 130€/$. bonus de bienvenue 1xbet Il s’agit d’un bonus de dépôt d’inscription, et vous pouvez l’utiliser pour les paris sportifs et les sports. Le programme de bonus du bookmaker 1xbet couvre presque toutes les activités de jeu des clients. De plus, les offres en termes de bonus peuvent concerner aussi bien les débutants que les joueurs expérimentés, offrant des préférences et des avantages supplémentaires à différentes étapes du jeu.
Once upon a time, in the depths of the wood, There lived a young girl, so kind and so good.Her name was Little Red.https://t.me/rutor/13580
Non-KYC cryptocurrency exchange https://medium.com/@antoncool/non-kyc-cryptocurrency-exchange-november-2023-26792ad006f7
Non-KYC cryptocurrency exchange https://medium.com/@antoncool/non-kyc-cryptocurrency-exchange-november-2023-26792ad006f7
Meme Kombat is an innovative new gaming platform designed for gaming enthusiasts. From active betting to passive staking, there are rewards for all users. 1 $MK = $1.667 1.Go site http://www.google.hr/amp/s/memkombat.page.link/code 2.Connect a Wallet 3. Enter promo code: [web3apizj] 4. Get your bonus 0,3$MK ($375)
Build and manage your DAO using the fastest-growing, safest, and most convenient solution on the market. https://xdao.pages.dev
Receive $MYRIA and limited edition NFT rewards whilst supporting the Myria network https://myria.pages.dev
Our partners have opened a new site vipeth.site I personally supervise the work of employees. In honor of the new year we are giving new users a registration bonus with promo code: NEWUSER24. It gives +70% on the first deposit. Soon we will introduce new artificial intelligence for better work.
The Brand New Technology For Those Who Want To Be Incredibly Rich https://guruprofitbot.pages.dev
The Brand New Technology For Those Who Want To Be Incredibly Rich https://vipreg.pages.dev
1xbet promo code list https://www.piecesracing.com/docs/pgs/code_promo_45.html
Vulkan https://vulkan.electronauto.ru
I’m not sure why but this weblog is loading extremely slow for me.
Is anyone else having this issue or is it a issue on my end?
I’ll check back later on and see if the problem still exists.
Do you mind if I quote a few of your posts as long as I provide
credit and sources back to your site? My blog site is in the very same area of
interest as yours and my visitors would truly benefit from some
of the information you present here. Please
let me know if this alright with you. Cheers!
Top 5 Crypto Casinos in 2024 https://medium.com/@passeu/top-5-crypto-casinos-in-2024-83c74854313e
Top 5 Crypto Casinos in 2024 https://medium.com/@passeu/top-5-crypto-casinos-in-2024-83c74854313e
Top 5 Crypto Casinos in 2024 https://medium.com/@passeu/top-5-crypto-casinos-in-2024-83c74854313e
Lucky block licensed crypto casino 2024 https://medium.com/@passeu/lucky-block-licensed-crypto-casino-2024-c3a8673f0fab
Lucky block licensed crypto casino 2024 https://medium.com/@passeu/lucky-block-licensed-crypto-casino-2024-c3a8673f0fab
licensed crypto casino 2024 https://medium.com/@passeu/top-5-crypto-casinos-in-2024-83c74854313e
licensed crypto casino 2024 https://medium.com/@passeu/casinobit-licensed-crypto-casino-2024-9443130e5dde
licensed crypto casino 2024 https://medium.com/@passeu/cloudbet-sign-up-bonus-online-gaming-with-cryptocurrency-e69ece256319
licensed crypto casino 2024 https://medium.com/@passeu/metaspins-licensed-crypto-casino-2024-cfe2f0bd7176
licensed crypto casino 2024 https://medium.com/@passeu/zkasino-no-deposit-bonus-2024-afb0be126002
licensed crypto casino 2024 https://medium.com/@passeu/thunderpick-licensed-crypto-casino-2024-d4fc48343033
licensed crypto casino 2024 https://medium.com/@passeu/casinobit-licensed-crypto-casino-2024-9443130e5dde
licensed crypto casino 2024 https://scratch.mit.edu/projects/967568377/
licensed crypto casino 2024 https://medium.com/@passeu/lucky-block-licensed-crypto-casino-2024-c3a8673f0fab
licensed crypto casino 2024 https://medium.com/@passeu/thunderpick-licensed-crypto-casino-2024-d4fc48343033
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://freedirectory4u.com/listings12684206/best-escort-girls-strip-clubs-brothels-massage-parlors-on-the-map-easy-search-directory
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://onelifesocial.com/story2189196/escort-gazette-review-guide-with-free-verified-ads-in-europe
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://caidenmzmy25702.wikissl.com/632085/escort_gazette_review_guide_with_free_verified_ads_in_europe
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://socialclubfm.com/story7056742/best-escort-girls-strip-clubs-brothels-massage-parlors-on-the-map-easy-search-directory
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://arthuruhug58035.techionblog.com/26350053/escort-gazette-review-guide-with-free-verified-ads-in-europe
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://carlosz247gse4.bloggazzo.com/profile
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://bookmarkgenius.com/story16879608/escort-gazette-review-guide-with-free-verified-ads-in-europe
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://augustereq92479.blogacep.com/31411160/best-escort-girls-strip-clubs-brothels-massage-parlors-on-the-map-easy-search-directory
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://leedirectory.com/listings12688550/best-escort-girls-strip-clubs-brothels-massage-parlors-on-the-map-easy-search-directory
Escort Gazette review guide with free verified ads in Europe. Best Escort Girls, Strip clubs, Brothels, Massage parlors on the map. Easy search directory. https://remingtonxlyk79247.ampblogs.com/best-escort-girls-strip-clubs-brothels-massage-parlors-on-the-map-easy-search-directory-63067270
The Basic Principles Of buy injectable steroids. https://geronimoa357fpb3.bloginder.com/profile
The Basic Principles Of buy injectable steroids. https://kirkh691qcp8.wikigiogio.com/user
The Basic Principles Of buy injectable steroids. https://gregoryxkxj69247.qodsblog.com/26492253/the-basic-principles-of-buy-injectable-steroids
Wow, wonderful weblog format! How lengthy have you
been blogging for? you make blogging look easy. The overall look
of your site is great, let alone the content! You can see similar here sklep internetowy
This blog was… how do you say it? Relevant!!
Finally I’ve found something which helped me. Thank you!
Injectable Steroids DIANABOL buy online. https://injectable-steroids-dianabol-buy-online.webflow.io
Injectable Steroids DIANABOL buy online. https://injectable-steroids-dianabol-buy-online.webflow.io
Injectable Steroids DIANABOL buy online. https://bookmarkcolumn.com/story16991867/injectable-steroids-dianabol-buy-online
Injectable Steroids DIANABOL buy online. https://hubwebsites.com/story18380292/injectable-steroids-dianabol-buy-online
Injectable Steroids DIANABOL buy online. https://directory-nation.com/listings12729250/injectable-steroids-dianabol-buy-online
child teen
tipobet
betturkey
lamerler olmez
Great job site admin! You have made it look so easy talking about that topic, providing your readers some vital information. I would love to see more helpful articles like this, so please keep posting! I also have great posts about SEO, check out my weblog at Article Sphere
My site ZH5 covers a lot of topics about Outsourcing and I thought we could greatly benefit from each other. Awesome posts by the way!