To track all my spending and investing, I use Quicken Home. Now, it's usually not free but it came free with my laptop I bought in 2003. The laptop has since died, but right when I got it, I copied the backup recovery disks that contained the software the computer came with. Now, I don't have the laptop anymore but I put the program on my desktop. So, if you're getting a new computer, look for the perk of having Quicken, or as some have now, Microsoft Money.
Nevertheless, you can always take the free budget worksheet template from Microsoft Excel and fill it in. The trick is to be diligent and write down everything you spend.
Also, make sure you have direct deposit. Usually you can have it go into more than one account so have it take 5% (or whatever you're comfortable with) and put it into a savings account. If you don't see it, you won't spend it.
Discipline is remembering what you really want. -Pam Young
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