Money problems are common. When we manage it, we can make it last longer.

Does your paycheck always run out before the next payday? Is it possible you could be wasting a few dollars each month?

Do you know where your money goes each month?

Did you finish the credit account list last week? A credit report will list all accounts. Credit reports cost $9 for each. But after November 2005, you can receive all of your credit reports each year for free from one place. To receive a report, copy this form 3 times and fill it out.

This week, your task may take some guessing. First, fill out the income chart to figure your monthly income. Second, without looking at your spending logs, write down how much you spend on each item in a month.

Congratulations! You have kept your spending log for a whole month. Now take all 4 logs and figure out what you spent last month.