Offer your thoughts or opinion on the input financial query or topic using your financial background.

I spend too much money. How can I get on the path to a frugal lifestyle?
Gail Vaz-Oxlade from the television show Til Debt Do Us Part has a great interactive budget worksheet that helps you set up a "jar" or envelope system for each month based on your income and fixed expenses.  We have used this successfully in the past.  What we found most useful was, as others have said, writing everything down, keeping receipts, and thus being accountable and aware of our spending.