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You say you know where your money goes and you do not have anything in writing to keep her? I issue this challenge. Keep track of every dollar you spend for a month and I mean every penny. You will be shocked by what the itty bitty expenses-total. Take the total you spend on a single element necessary for the month, multiply it by 12 for months in a year and multiply by 5 to represent 5 years. That's what you can save and generate interest in just five years. That, my friend, is why we all have a financial need.

If we can control spending by small get really important to the overall economy of our lives, we can enjoy financial success. The little things really count. Cut what you spend on lunch from five dollars a day for three dollars per day for each working day in a week of five working days save $ 10 per week ... $ 40 per month ... $ 480 per year ... $ 2,400 in five years .... Plus interest. See what I mean ... It's really the small things and you eat every day for lunch and it was only one place money in your daily life to save without no one thing you really need. There are many places to cut expenses if you get it.

Suggest some specific long term and short term. There are no wrong answers here. If it's important to you, so it's important period. If you want to be able to make a deposit on a house, a college fund for your children to create, buy a sports car, a vacation to Aruba ... nothing ... this is your purpose and reason to get a handle on your financial situation now.