One of the simplest but most powerful money making ideas is this: Keep a
daily log of everything you spend. Go to the poundshop and buy a little
notebook. Carry it with you wherever you go. Write down every penny -
every single penny - you spend every day. It's as simple as that.

   If you do this, you will find something magic happening in your financial
life in just a few weeks.

    There is something incredibly powerful about writing down all your
expenditures. It makes the flow of money through your life more real and
exact. It shows you simply and clearly just where you are spending your
money, on what and why. Once you know that, it becomes much easier to
control your spending.

    Many people who have taken up this practice have not only learned
something about themselves which they never knew before, but they are often
astounded.

    For example, one woman realized through examining her notebook that she
actually spent nearly £1,000 per year on diet soft drinks, snacks and candy
bars! Since her job as a office clerk brought her a scant £12,000 per
year, she realised that one-twelfth of her entire income was being frittered
away on something entirely frivolous. The woman gave up the snacks and
drinks, and found she had enough money to afford health insurance - plus
has £200 left over. If you could choose snacks or health insurance, which
would you choose?

    The point is, it was her daily expense log that helped her achieve the
insight and clarity she needed to get control of her finances. That's what
a simple spending record will do for you - it will give you control over
your spending, and thus your financial life. There may be nothing but a
pund notebook and a ballpoint pen between your life of financial
struggle and financial freedom.

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