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Exercise is that every family, every year should take a look at all the money that s coming in, and all the money that s going out and analyze it line by line. unemotionally the whole goal of this is to see the whole chart switch, so the income is bigger than the expenses. this rule is tracking the spending. one of the things we talked about is how do we review things every year. part of it is knowing where things are going. and yu know what s coming in, and now we are going to know to the tee, what is going on. i m going to help you because i m going to give you some diaries of spending. this is to track spending, keep track of everything. what i want you to do in the diary is, the category of the expense, what type of expense it was, the day you did it, how much did you spend and what did you use, cash, credit. one of the great things about the diary is that you re going to be notating what method of payment you used. ....

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