Have you ever considered the idea of auditing yourself? There are many people who are starting to do this now as a way of making sure that they are staying tough on themselves when it comes to spending and things of this nature. By doing this, they are actually helping themselves to become more financial stable.
A personal financial statement created on an excel spreadsheet is something that one can use to make a statement for themselves to just see where all of their money has been going. By doing this, they are able to create wonderful benefits that they might not otherwise have been able to create.