How to Create a “Spending Diary” and Actually Stick to It

Want to understand where your money really goes? Don’t guess. Write it down.

A spending diary is one of the simplest tools to build financial awareness. It’s not about judgment – it’s about clarity.

Why It Works:

  • It builds awareness.
    You start to notice patterns, triggers, and small leaks you normally ignore.
  • It’s fast and easy.
    A notebook or even a folded piece of paper in your wallet is enough.
  • It creates mindful habits.
    Just knowing you’ll write it down often changes what you choose to spend.

How to Start:

  1. Keep a notebook or use a sheet of paper.
  2. Every time you spend, write down: the date, amount, and what it was for.
  3. At the end of the day, take 2 minutes to review.

Example:
April 30 - €3.50 – Coffee - €12 – Lunch - €20 – Groceries - €1.80 – Bus - €2 - Ice cream 

Tip:

Do this for just one week and you’ll start to see exactly where your money disappears – and where to make changes.

Bottom line:

A spending diary is like a mirror for your money habits. It’s honest, simple, and surprisingly effective.

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