Okay, this might be a difficult one for most of us, and it’s probably not something we like to do.

But you are reading this article, so it basically means that you are willing to try anything.

If you are not one of the few people that actually keep track of their spending, then it might come to you as a shock once you see it in writing.

When you write down your spending habits, you might notice that you are spending way too much on things like clothing, eating out etc. and too little on the things that really matter, like investments and debt you’ve made.

Think of ways that you can cut down on your spending’s – this will be a great start to effectively manage your money.

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