0 Spend

Write everything down. I keep a notebook where I record everything – how much I’ve spent throughout the day, what checks I’ve written, etc. Then I check off each one as it’s deducted from my bank account. I also make sure I balance my figure with the figure in my online banking. This way I know I’m right (the only time it’s usually off is when checks haven’t cleared yet).

I never thought I could actually write down everything I spend but once you’re in the habit, it’s easier. I add my receipts to my book when I get home & then balance my figure with the bank’s figure every morning.
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You can create a spreadsheet on exell to keep track of your check register.
Office Depot has two excellent programs.
Microsoft Money and Quicken Personal for about 50 bucks.
Not only do they have check registers, but online budgetting tools, and they have pie charts and graphs that show you what percentage is going where.
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You shouldn’t be "imagining." You should be tracking your deposits and withdrawals continuously. That’s elementary personal financial management.
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Try to find a job paying more money or just spend your money on the things you need Temporary instead of what you want anyway Take Care and God Bless
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You could also try rounding up every check amount you put in your register. If you write a check for $23.56, put in $24. A check for 121.01 becomes $122. That way you’ll always have a little more in your account than what you think.
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