It's towards the end of the month. And are you left with no money? What's more, you don't even know where it all went! Here's something that's a bit cumbersome, but will help you find out where you are spending your money without knowing. Keep a small pocket diary always with you. At the end of the day, recall where all you spent money, including the smallest of spends. At the end of each week just make a check of what you spent on. You will be surprised to find that things like--- snacking in the evenings, hailing a taxi instead of public transport or a good walk, a casual attitude towards loose change that you did not bother to pick up, soft drinks instead of healthier water--mount up to quite a bit. The checklist you do will help you avoid wastage the next week. Remember that it will only take a couple of minutes each day to do this. Plus it will help you to become more disciplined with your money in the long run.
