Making changes in your life is great and it is the way we grow and develop as people. Change is a constant process and part of being human. When you embark on changing anything in your life you have to start from where you are. Until you know where that is it would be difficult to effectively make the change. You have to start with a baseline.
I read a statistic once that said most people consistently spend about 10% more than they make. I believe that is true, and it is because what is being spent, especially on a credit card, is not tracked. I once had a client that just didn’t have enough time to accomplish everything she needed to do. When she tracked her time for a week she was made painfully aware that she was spending hours in front of the television. The first step in change is awareness. You have to become aware of what you are doing and exactly where you are before you can proceed forward. Keeping track for a week or two will provide you with valuable information that will support your change effort.
The first step in your change effort is to determine where you are. Keep a log for a week or two. This will give you a realistic idea of what you are doing. You can track anything from how much money you spend to how many hours of sleep you get. Once you know the truth about where you are you can proceed.
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