All photos in this instructable are of my art work and are Copyright Lisa M. Yarost. All rights reserved. Please do not use these images elsewhere without permission! Thanks!
Step 1: Write it down!
Here's a way most people cheat, and you don't want to cheat: If you go to the grocery store and take cash back, do not write that down as groceries. You haven't spent it... just taken it out of your account. You need to track what you do with it once it's spent. Likewise, if you go to a superstore like Walmart for your groceries, don't put your new CD that you picked up in your grocery expenses, just because you paid for it with your groceries. You want to know where the money really goes!