Keep a Money Journal
“Writing down all your expenses—from a new iPhone to the wrap you bought for lunch—makes you less inclined to spend frivolously. Like keeping a food diary, this is not the easiest task, but a money log compels you to think twice before dropping any cash. Keep all your receipts, and tally them up at the end of each week.”
Andrew Hallam, a school teacher, is the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School ($17, amazon.com).