2. How can your daily spending diary assist you when planning and implementing a budget?“I AM AMAZED HOW LITTLE THINGS CAN ADD UP. . . . HOWEVER, SINCE KEEPING TRACK OF ALL MY SPENDING, I REALIZE THAT I NEED TO CUT DOWN ON SOME ITEMS SO I CAN PUT SOME MONEY AWAY INTO SAVINGS.”

Directions Continue or start using the Daily Spending Diary sheets provided at the end of the book or create your own format to record every cent of your spending in the categories provided. This experience will help you better understand your spending patterns and help you plan for achieving financial goals. The Daily Spending Diary sheets are located in Appendix D at the end of the book and in Connect Finance.