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Next list all your variable expenses_those that may change from month to month such as groceries, gas and entertainment. This is an area where you might find opportunities to cut back. Credit card and bank statements are a good place to start since they often itemize or categorize your monthly expenditures. Tip: Record your daily spending with anything that’s handy_a pen and paper, an app or your smartphone.

But try this anyway. Creating a budget and then following it can help you spot areas where you're spending more than you realize. Here you will find tips on how to create a budget and track expenses along with other money management techniques.