Live Cheap, Save Big

An important step in becoming financially responsible is tracking your spending. Doing this will help you clearly see where your money is going and can help you develop a realistic budget that falls within your means. I use online banking for my checking account and credit cards, along with a simple program I created in Microsoft Excel to track every penny I spend. Check out Get Rich Slowly and read 7 Ways to Take Charge of Your Finances in 2007 for other great ways to track spending and become financially responsible.