Dear Diary:

Do you know what you spend every week?

Something as simple as writing a weekly or even daily spend diary detailing exactly what you are spending can help to evaluate where you can reduce your expenditure.

From experience it's easier to record exactly what you have spent at the same time that you spend the money. Will you get into the habit or asking yourself whether you have to make that purchase?

You would be surprised how quickly your finances can be exhausted with take aways, taxis, shopping between lectures and coffees.

Why not print off our spend diary and try it out for yourself, providing a breakdown of typical weekly expenses. Simply fill print it off and give it a try. Once you have established your currently weekly amount try to add a revised amount and stick to it. By recognising how you spend your money you will be able to manage it better - allocating money for new clothes or simply repaying your credit card earlier.

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