1. Sit down and take the time to go through your bank statements and bills to work out how much money you have coming in each month and what your regular outgoing costs are.  It will take a bit of time to do and can be a little depressing, but is well worth doing as it will show you how much money you have to play with each week.

2. If money trickles through your fingers without very much to show for it you may want to consider keeping a spending diary for a month.  The idea is that you write ...

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