Get to know your spending. If you are on salary, then you know what is coming in each month (pay period). Many people find it difficult to understand where their money all really goes.

The best way to figure this out is to automate your spending process by using Mint.com or a similar program. These helpful systems will categorize your spending, allowing you to take a critical bird’s eye view at your spending habits.

It takes a small amount of effort to set up the categories, but once accomplished, you’re pretty much up and running.

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