Cut out. Lots of us pay for things we do not even use. This is another mistake that gets easier to make with so many automated payment plans. Do you keep a gym membership that you do not use? Replace that with a brisk walk, weights, or a stationary bike. You will not have to make monthly payments, and you may find it is more convenient.
Worksheet _ Monthly Expense Record_ On this worksheet you will record all your spending for the month in the appropriate categories. At the end of the month, this will give you an exact amount of money that you spend in all categories.