Starting today, track your expenses for 28 days. It’s that easy. Log your expenses in a notebook, the notes app in your smartphone, or anywhere else. Just keep track of the date, expense, and amount.

Every budget can be divided into 2 parts:

  • Money In
  • Money Out

Most people have no trouble tracking money in. But, tracking money out, beyond fixed expenses – such as the mortgage – gets fuzzy.

In February, just write down every single expense – utilities, movie tickets, gas, etc.

That’s it. Continue spending (and log). At the end of the month, we’ll send instructions on how to turn this log into an integral part of your financial plan.

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