Spending: Track your numbers

I remember running track in high school. Before the season began we would condition by lifting weights, running, and changing our eating habits. We also knew the competition and what to expect. Essentially, there was a preseason to the season.

If you ever engaged in sports you are accustomed to hearing the term, PB. PB stands for personal best. It was your goal as an athlete to outperform your PB. In order to do so, you must be willing to track your numbers. In the beginning of the season, you would perform at your “top performance”. This would establish your starting numbers.

During the season, as you practiced and raced you would keep track of the progress with the intention to outperform the previous time.


Why not do the same when it comes to your personal finance? No matter if you are rich, wealthy, or poor, most households don’t have a budget or financial plan. More importantly, they aren’t keeping track of their numbers.

When it comes to your personal finance your PB is tracking your spending. During your preseason, keep track of how much you spend in a day. An effective document will track each day for an entire week, how much you spend, why, and where. Now you have your starting numbers.

Not only do you have starting numbers, but you also know where your weaknesses are and how you can change your financial habit.

Don’t cheat yourself

When you track your spending it’s imperative that you write down everything including the 25 cents miniature candy bar you purchased while standing in line at the gas station. Yes, in order for you to properly track your spending you must fully engage.

Notice where you are going wrong

One of the best reasons to document your PB is you’re able to notice your flaws. If you notice that you’re spending money at 10:00 am every day because you’re hungry, then pack a snack.

Each day is better than the previous

When it comes to your PB and spending, the amount should be lower each day. Make sure you hold yourself accountable by immediately writing down how much you spend. Again, don’t cheat yourself.


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