Most people aren't aware of what they really spend in a month. One way to see what you spend money on is to record for a month everything you spend money on for that month. Add up everything at the end of the month so that you are consciously aware - rather than unaware - of what you are spending. Check off those items you must pay for and those things you have discretion over. This exercise will get you concious of what you are currently spending and where you could cut back if you chose to.
There was an article on money saving tips in the Fargo Forum today at in-forum.com. This is one of the tips I contributed.
It is a way for you to see how small expenses add up over time.
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