Or method? I caught this post on Zen Habits and found it really informative. I don’t know how many things I’ll actually implement, but it’s so true: if you keep track of where your money is going, it’s easier to figure out where it doesn’t need to go. How many times have you found yourself with an empty wallet hours (or minutes) after stopping at the ATM? Probably a whole bunch, just like me.

I realize it’s pretty long, but give the article a read, I think there’s a couple of pointers for everyone.