Every month people complain about having more month left at the end of their paycheck. And I keep telling them to stop buying “stuff”. Stuff is what I consider things laying around the house you bought for a discounted price,but you don’t have any use for it anymore.

The tip I would like to share with you is to start carrying a note pad and writing down every thing you spend your money on. At the end of the month, check to see which of these things are considered stuff and write them in a separate column.  Now keep that column with you to help remind you what is considered stuff.

This will greatly improve your spending and savings

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