Taking action can be the hardest part to the entire process. Just getting started is what stops most people dead in their tracks, content with wishing and blaming their situation on anything else. Truth is, if you never take action, you can't ever get past the wishing stage. So how do you get started? You need to first state to yourself that you will take action. Action is what will be required of you to make your financial goals a reality. Next, you need to discuss your plans with someone else. It can be anyone, whether a partner, your children, a friend or even a co_worker. Telling someone about it gives you accountability towards your goals and doesn't let you off the hook for it.
Monthly Expense Record Worksheet _ After you have filled out your weekly worksheet for a given week, you will want to transfer all spending and expenses over to the monthly expense record worksheet. It is very helpful to first fill out the weekly expenses report worksheet because people forget to record certain spending when just using the monthly expense record worksheet along. After filling out these two worksheets you will have effectively tracked your spending for the month. Using the monthly expense record worksheet, you will now have the information you need to create a working budget for next month.