You may need to keep track of your expenses for at least a month to know where your money is really going. You can use the Monthly Spending Record to list your daily expenses. The second page of this worksheet gives examples of the type of expenses that go in each category. Click here to print a copy of the worksheet.

At the end of the month, use this information and your paid bills to fill in the "What We Spent" column on the Monthly Expenses Worksheet.