There are online tools such as Mint.com and Yodlee.com that a lot of people find useful in organizing their finances (these two are both free). Once you set up your accounts to aggregate, you will able to see your entire financial picture at a glance. These programs also assist in creating budgets and setting financial goals. They require some effort to set up initially, but worth it.
Begin by purchasing Quicken by Intuit which will allow you to post all of your checks, charges and other expenses including cash expenses. You might want to have someone who is familiar with Quicken assist you in cleaning out the non-important categories and having your own that may be personal and unique to you. Once you become familiar with the Quicken program which will probably take about 30 days, then you can use its budgeting tools to begin to project what expenses should be and compare them to what they actually are as and when you post them. There simply is no better way to get control of your spending then to actually see what you yoiu are spending money on. The biggest surpirse to our "new" clients is the catagorie of "Unexplained Misc Petty Cash". This is where you cash a check on Monday for $100 and by Friday you have no idea where the money was spent. In other words$100 per week for 52 weeks is $5,200 a year that many times can not be accounted for. Keep a tab in your pocket to record all cash spent but only of you are serious about controling your spending. Good Luck
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