2. What other areas of your daily spending might be reduced or revised?

“MY CASH WITHDRAWALS HAVE RESULTED IN MANY ATM FEES THAT TAKE AWAY MONEY FROM OTHER BUDGET ITEMS.”
Directions Start (or continue) your Daily Spending Diary or use your own format to record and monitor spending in various categories. Your comments should reflect what you have learned about your spending patterns and help you consider possible changes you might make. The Daily Spending Diary sheets are located in Appendix D at the end of the book and in Connect Finance.