One way to find out how much money you spend each month and what you spend it for is to keep a record of all expenditures during the next month. For this purpose some people find a small five cent notebook handy because they can carry it with them. What¬ever system you use, be sure and write down everything and es¬pecially what you spend for the “little” things such as magazines, a pack of cigarettes, toothpaste and hairpins. (more…)