Your goals may seem hard to achieve with your present finances, but looking at your financial situation may prove crucial to your success. The activity below will help you look at your spending patterns and expenses and help you begin to budget. By the end of this activity, you will have a clearer sense of what you can save and how you can budget to achieve your goals.


Use the Daily Spending Diary on to track your daily spending for one week. Be sure to write down everything you spend money on, no matter how small. However, "groceries" can be one item; you don’t have to list each grocery item.