I never used to track our expenses until our financial planner told us we have to.

It was not an easy exercise. There is that little notebook that you need to haul with you everywhere. And you have to be on your guard everytime – did I take a dollar from my wallet? And there’s the hubby that you have to nag to please write every little expense when you know he will not because he does not want to.

He still does not want to.

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