1 - Track your expenses Figure out what you're spending money on. "To keep track of my expenses, every now and then I keep a diary that records every cent I spend over a period of time. This can also be done with an iPhone app like iExpense. I then put together a spreadsheet, which groups my expenses, to work out where I've been overspending." Ada, 29. 2 - Points of interest Support independent journalism Subscribe to News24 for just R75 per month to read all our investigative and in-depth journalism. Subscribe