How do we make sure we don`t buy things we don`t really need ? By keeping a spending diary we can keep a check on where our money is going. At the end of each month your spending diary will show where your money is being spent as well as how much money if any, you have left. Most books you have read will now start telling you how to cut back and make a big difference quickly, off you go and identify ways you can make huge changes to your life style and become wealthy overnight. After a couple of weeks you decide that staying in every night in the dark and eating little or no food is having a serious effect on your wealth. So you decide to give up and start to think that all the people who post on money saving expert are losers.
Why did you find it so hard to make changes ? The answer is easy, we are looking to make a big impact and want instant results. By making small changes and often you can make massive changes to your lifestyle over time.
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