• If you want to become a guru of your personal or family finances, you need to start tracking your budget.
• I won't repeat that you need to earn more than you spend or that you need to find new income. I'll show you what to do with your current spends, how to analyze it and how to get insights.
• First of all, you need to have a spreadsheet where you can easily add any spends or find any spends. I'll show you an excellent way how to do it. What's the next? Let's analyze your spends!