Track Your Daily Expenses The way to create wealth is to plan for your financial future. This involves analyzing your finances to see how much money you make and how much is being spent, and then setting goals for how much to save.

However, to do this effectively you must track your daily spending, whether by cash, check or credit card. Below is a sample.

Date	Expense	Cash/Check	Charge
1/2	Breakfast	$ 3.56
1/2	Coffee (two cups)	$ 0.90
1/2	Lunch		$ 6.75
1/2	Soft drink and candy bar	$ 1.50
1/2	Gas for car		$ 22.00
1/2	Drinks with friends	$ 10.00
1/2	Groceries		$ 50.00
1/2	Dinner		$ 10.00
1/2	Newspaper	$ 0.50
1/3	Breakfast	$ 4.95
1/3	Newspaper	$ 0.50
1/3	Coffee (two cups)	$ 0.90
1/3	Lunch with coworkers		$ 5.72
1/3	Dinner		$ 15.00
1/3	Dress		$ 45.00
1/3	Soft drink and candy bar	$ 1.50
1/3	Trip to the movies	$ 15.00
1/4	Breakfast	$ 3.50
1/4	Coffee (two cups)	$ 0.90
1/4	Lunch		$ 6.75
1/4	Soft drink and candy bar	$ 1.50
1/4	Newspaper	$ 0.50
1/4	Birthday present	$ 15.00
1/4	Dinner		$ 6.77

You can study your own spending habits by using the format of the example above to track daily expenses. Be sure to include items purchased with credit cards, as well as those purchased with cash or check.