Sometimes the simplest things can be the hardest to do. Keep track of what you spend, write down everything you spend, and plan purchases in advance. Sounds easy enough, right? For many, finances are a total mystery. But they don’t have to be. Educating yourself on how common financial matters work and learning about your own financial situation will make you a better consumer and less likely to fall into debt. First things first….the dreaded checkbook balancing.