To have a budget plan that works for you, you must stick to it.  First you must understand how your money is being spent.  By tracking your spending, you will see where your money is going.  Once you do this, you will be in a better position to go through your expenses and make decisions of where you really want your money to go instead.

ĠEMMA recommends that you track daily for the first three months so that you actually track your daily expenses that add up to sums of money and find your spending leaks.

This helps you to get a good feel of how you can manage your money better.  The key is to capture everything you spend for two months / three months to get your full spending picture.

Subsequently, we suggest that you track your money at least twice a month.  Download our My ĠEMMA budget planner.  Start tracking you money today.