I found this fascinating quote today:
Whether you use a notebook, a spreadsheet or a full program like Quicken, you need to see where each penny of your money goes. The sooner you start recording what you spend, the sooner you will see the trends and money sucks. Dr. Darshana Hawks of Relationship Success Source says that it will take a year to see the full picture.thevoiceofmom.com, The Voice of Mom
You should read the whole article.
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