1. Describe any aspects of your spending habits that might indicate an overuse of credit. Directions Your ability to monitor spending and credit use is a fundamental skill for wise money management and long-term financial security. Use the Daily Spending Diary sheets provided at the end of the book to record all of your spending in the categories provided. Be sure to indicate the use of a credit card with (CR). The Daily Spending Diary sheets are available in Appendix D at the end of the book and in Connect Finance.