Carry
this tally sheet with you, and record all your spending for at least a week. At
the end of the week, grade your purchases. If an expense was necessary, and
your cost was reasonable, enter a "+" (plus sign). If it was a necessary
expense, but you overpaid, enter a "-" (minus sign). If the expense was not out
of necessity, enter a "?" (question mark).
Your
greatest opportunities for reducing spending are for those items you marked
"?." Perhaps you'll be willing to reduce or eliminate similar purchases in the
future in exchange for reaching your top goal. Spending graded "-" is another
opportunity. Look for ways to trade convenience for a better price on these
types of purchases.
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Description |
Cost |
Grade |
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