Times are difficult in this turbulent financial age and everybody seems to have less cash and prices still seem to be getting higher. Then you work all week and ask why you don’t have any money left to enjoy yourself. Have you ever wondered why I don’t have as much money as I used to have?Do you want to learn more? look here

Well there are steps in your wallet that you can take to end up with more money. The money you left at the end of the month is the amount of money you made that month (your paycheck) and how much you spent it is pretty straightforward. The premise is that you keep a record of your costs. Instead of cash flowing in, you have more leverage over what you spend. You’ll have more money if you can reduce your expenses. Keep a record of your expenses and save your receipts. No matter how little, write it down. Then allocate and cost to such a category as car payment, electricity, telephone bill, mobile phone bill, food, entertainment, etc.

Then take your tiny notebook and record lager costs in a bigger notebook at the end of the week or even better on your machine on a spreadsheet programme. You’re going to be shocked by what you find. You can find that you’re spending $100 on coffee or $200 on chocolate.

You can see obvious areas where you can cut back simply by being methodical. Then, depending on how much you want to save, you will have to make some hard choices on what you will have to give up. Do you want to spend $200 a month at a coffee shop or have $2400 extra in your wallet every year for your retirement to pay for a new car? Do you have to figure out what your goals are?