Simple, but effective advice-- track your finances and they will improve.

I know you have probably heard this advice time and time again, but sometimes we need things repeated until we act on good advice.

I have always used written budgets and spending plans of some sort.  Sometimes on napkins or post-it notes or business cards.  The best approach I use is electronic Excel spreadsheets (This is my favorite approach-- it allows me to "What if" analyze).  A written budget makes you stop and think about how you use your money.

The bottomline-- track it, and it will improve.

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DDFD believes that self reliance and self sufficiency are the roads to individual freedom.  He is dedicated to living a quality life through frugality, personal growth and productivity, and defensive entrepreneurship.  He also enjoys cooking from scratch and fishing.