With the beginning of a new year, often people decide to make a fresh start on their finances; cutting back, paying off, saving. As with any type of clutter, our finances didn't get where they are overnight, don't put unreasonable expectations on yourself of them changing overnight either.
I'm thinking about having a Frugal Friday series of posts. Each Friday I will post about ways to cut down expenses, pay off debt and save for the proverbial rainy day. I want you to know I am not an expert in any way, shape or form, and the tips I give are just that, tips. Most will be tried and true tips I have used myself, since I am a self-proclaimed Frugalista. I like to be able to spend my money in the ways I want, not to always be a slave to bills and such.
The first step to getting a handle on your finances, is to know where your finances are going. For one week, keep track of how your money is spent. Do you buy a paper, a coffee, a donut, a pack of gum each day? How often do you eat outside the home? Gas, bills, kids lunch money, toll booths, groceries? Trust me, this step and the budget step are the most difficult things I will be talking about. Once these two steps are out of the way, the fun begins...honest!
So friends, grab a notebook and track your daily moves for a week. Come on, don't give me that look, it's only a week. After that, I will reward you with a frugal way to make fancy coffee to treat yourself with.