"I heard you on Oprah and Friends... what a pleasure to feel so connected to someone and their message. Thanks for what you have done." -J.Stanton
Read More Testimonials»

On the Finances Blog

Bankruptcy: The Power of the Clean Slate

It doesn’t take many clicks online to find writing and advice on how to shape up your finances, even First30Days has a great financial advice section found here. There are...

Read More About Bankruptcy: The Power of the Clean Slate»

Our Reducing Debt Experts

Dave Ramsey

Dave Ramsey

Host of "The Dave Ramsey Show" on Fox Business Channel and...

Shared by First30Days View Profile»
Scott Bilker

Scott Bilker

Author and creator of DebtSmart.com

Shared by First30Days View Profile»
Liz  Pulliam Weston

Liz Pulliam Weston

MSN Money columnist and author

Shared by First30Days View Profile»

Meet all of our Finances Experts»

Got A Tip?


See Where Your Money Goes


This is a good time to become more aware of how much money you actually spend and what you spend it on. Start to keep a written record of what you spend each day, down to the penny (yes, that pack of gum counts). In opening your eyes to where your money actually goes, you might be surprised at how reluctant you become to part with your hard-earned cash.

An easy way to remain on track is to carry a small notebook with you. Write down every purchase and expense, down to quarters you put in the parking meter or quick stops at the drugstore. Then, if you wish, at the end of the day, take 10 minutes to transfer the amounts into a spreadsheet with categories if that helps you. For instance, break down a page into columns and track your spending in areas like food, entertainment, transportation and household items. This will help you figure out what areas you can scale back on. Perhaps you eat out every afternoon, when you could bring lunch to the office or eat at home.

This will be a big change, but it will be a great experience for you. Once you become aware of where your money goes, you will find easy ways to gain control of your expenses and begin saving money.

Posted: 11/29/15

Infact this tips are not just powerful but educating.