The Healthy Money Planner:
This is where you now start to break down your spending patterns and analyse them.
In the journal, write down the total you spent on unplanned expenses, then work out how much of it could have been allocated to a part of your money pie ready for next month.
You'll soon start to see where you're focusing your attention, and now you can do something about it.
“If you can’t make a mistake you can’t make anything.” – Marva Collin