Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

I spend too much money. How can I get on the path to a frugal lifestyle?
Get on a written budget at the BEGINNING of the month. If you dont write down where your money goes BEFORE you spend it, you have no way of keeping track of it.  I couldn't do a thing until I got on a written budget but now that I am, I've paid off $10,000 in 7 months.