You say you recognize where your cash goes and you don't need to have it all written down to sustain it? I issue you this test. Keep track of every penny you spend for one month and I do mean every cent.
You will be amazed at what the itty-bitty charges add up to. Take the amount you spent on just one unneeded item for the month, times it by 12 for months in a year and multiply the result by 5 to indicate 5 years.
That is the amount you could have kept AND drawn interest on in just five years. That, my good friend, is the very reason all of us require a spending plan.
If we can get control of the small expenditures that actually don't matter to the complete scheme of our lives, we can benefit from financial success.
The tiny things really do matter. Cutting what you shell out on your lunch break from 5 dollars a day to 3 dollars a day on every work day in a 5 day work week saves $10 per week... $40 every month... $480 each year... $2400 in five years... And interest.
See what I mean... It really IS the small things and you continue to eat lunch daily AND that was only one place to save money in your daily life without getting rid of one thing you really need. There are a lot of sources to cut costs if you look for all of them.
Set some specific long term and short term targets. There are no wrong answers here. If it's essential to you, then it's necessary period.
If you want to be able to make a down payment on a house, start a college fund for your young children, buy a sports vehicle, take a trip to Aruba, invest in companies going public, or even get interested in a public shell or shell companies... Anything... Then that is your goal and your reason to get a grip on your financial issue now.
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