This may seem like a simple goal, but writing out a spending plan each month is the first step in getting control of your finances. If you can write out your budget each month, and put every dollar you earn in a specific place, you will begin to improve your finances.
Here’s why: Writing out your budget and how you spend your money helps you get a better handle on where you are each month — where you’re excelling, plus where you can improve, i.e. cut spending.