There was a time when I first had a checking account I had a register that every
penny was wrote down and what was bout. I would look back through the month and
see I spent too much on coffee and doughnuts. I could see my danger zones where
I spend money. Now it's on line and able to charge I have to stop looking
at stuff. That is easier said than done.
What is most troubling is that no matter how well you plan you are adding $2-3,
000 per uear in debt because the Federal government cannot create a balanced
budget and stick to it.