No. of Recommendations: 0
I could never stand this idea of tracking every little purchase. My husband and I each get a weekly amount of "pocket money" (some people might call this an allowance, but my husband balked at that word). Start with an easy amount and reduce it enough that you are weighing the cost/benefit of most purchases. If you run out of money, pack your lunch, skip that double espresso, borrow someone elses's paper, dig some change out of the couch, etc. You'll get an idea of where the money is going without carrying around that annoying little notebook! Oh Yeah, we also found it necessary to define pretty specifically what comes out of "pocket money" vs. "budget". That's an ongoing discussion, I guess. :)

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