keeping track of your income and spending's can help you see where you could save money and remind you of upcoming payments. Once you get into habit of filling in the journal you'll know where your money is coming from and going. This journal is here to help you but you must do the work. I take no responsibility for your financial situation. The opinions expressed in this journal are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product.