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Collect receipts for anything you spend money on, even a pack of gum or candy bar. No cheating. This isn’t about judging how you spend money, it’s designed to give you a realistic picture of how much you spend and what you spend it on. Most people underestimate the amount of money they spend. You’ll also want to keep track of your monthly bills. Some will be fixed amounts and some, like utilities, will change according to weather and usage.
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