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Chapter 8. Learn More from Your Organize... > Taking a Close Look at Your Spending...

Taking a Close Look at Your Spending Patterns

Now that you have a new perspective on your installment- and revolving-loan debt and have identified your expenses as either reducible or not, look at your expenditures once more and try to spot patterns. Sort them every which way— by month, by year, by store, by category. (Yes, this is much easier if you're using software.)


tip

As I've said before, don't let guilt get in the way of your progress here. If you're dismayed to see what you spent last year or last month, don't dwell on the past: Use that information to make positive changes going forward. Now that you can see all of last year's decisions together at one time and compare them to one another, you finally have the information you need to make your best choices—information you didn't have before, so it's no wonder you couldn't make those best choices in the past. Now you can!



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