This post is a continuation of the 31 Days to a Better Bank Balance series, which is designed to help improve your financial life and your bank balance.

Today’s tip focuses on spending. Not reducing spending, necessarily — although that may come later — but identifying spending.

In general, most of us spend without really thinking about it. We may not be happy with the amount that we’re spending or how much things cost, but we’re used to buying the things we typically buy, and we’re used to spending the amounts we typically spend.

And that’s where the danger lies. » Read more

Today, I’m introducing the 31 Days to a Better Bank Balance project. The premise is that we can all do things to improve our financial lives — and our bank balances.

Most of these things are simply small steps that that add up to big changes. It’s just a matter of doing them.

So, there will be 31 days worth of posts relating to the subject, spread out over a period of time. » Read more