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In order for it to work you must write down absolutely everything you spend and how you pay for it e.g. cash, debit or credit card. If you forget to carry your spending diary with you make sure you keep receipts for the items you have bought and enter the information into your spending diary at the end of the day.
How to maintain an expense diary?
Using credit card statements and bank statements at the end of the month, fill in any missed receipts in the final expense numbers. Create a Monthly Spending Summary sheet each month with expense numbers. You can calculate totals using pen/paper or by using a spreadsheet program to make a chart of your expenses.
How do I track my own spending?
Heres how to get started tracking your expenses. Check your account statements. Categorize your expenses. Build a budget that works for your expenses. Use budgeting or expense-tracking apps. Explore other expense-tracking methods. Look for ways to lower your expenses. Find ways to make more money.
What is a spending diary?
A spending diary is a diary or journal where you record all your money transactions on a daily basis. So, when you go and buy a cup of coffee or tea from your local coffee shop for $2.59 on a Monday, you record this transaction in your spending diary for that Monday.
How do you make a money diary?
At the end of every day, go through your daily receipts and bank accounts, and then list each dollar you spent. Its important to track each expense thoroughly―like what you spent your money on, if it was a want or a need, how much it cost you, how you paid for it, why you bought it, and perhaps how it made you feel.
Standard 1 (Planning and Money Management): Prepare a personal spending diary. Standard 2 (Income and Careers). Explain all items commonly withheld from
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