The first step in trying to save money/pay off my mortgage is surely obvious – the less I spend of what I earn, the more there will be to put in the kitty.
I have to admit that I don’t keep track of my money very well at all. I am very fortunate not to live ‘hand to mouth’ and that has proabably made me complacent. It didn’t always used to be this way, in the past I’ve been totally skint and tens of thousands of pounds in debt. I do know what it is like to have absolutely no money so there really is no excuse for not valuing it properly.
This week I’m going to make a note of everything that I spend whether that is on debit card, credit card, paypal or cash. Oh yes, I have myriad ways of parting myself with my money. The idea is just to become conscious of where my money goes so that I can then make decisions about what I am going to keep/cut.
[...] said that I would keep a note of my spending for a week. Here are the [...]