My Spending Tracker
Use this tracker, three different colored pens (like black, blue, and red), a pencil, and a highlighter. Write down every single thing that you spend your money on and color code each expense. Use black for expenses that are the same every month, like rent and your car payment, blue for expenses that change each month, like your electric bill or grocery bill, and red for unnecessary expenses, like the cost of the movies or jewelry purchases. Write in your planned payment amounts and your actual costs. If you find yourself spending more than your estimation, highlight those expenses. This will give you a clear view of what you should reduce or eliminate.