If you are charging various purchases, writing out checks, paying cash, withdrawing money from the ATM and not accounting for it, stop! Money is sailing out and you do not really know where it is going. Figure out one or two ways to spend your money and stick to it. For example, pay for everything through your checking account and stick to it. Obviously, you are not going to pay for a take-out coffee with a check, so each time you write out a check for cash, place it in an envelop, not your wallet, and write down where you spend your money. At the end of only one month, you may be amazed at where the money is going and place where you can reduce spending with little or no pain. But first you must get a handle on all of the outflow.