A way to track your spending
Many people have a small book in their car or purse and they jot down smaller expenses to keep track of them. I applaud these folks but, for some, this is not workable.
A few days ago, I heard of another method - use your kitchen or office calendar to mark down expenses as they happen - coffee runs, clothing, movie rentals, take-out food. This way, not only can you see how much spending you are doing but you can also see when it is happening. You can get a good snapshot of the month and how much is going down the drain.