Spending is everywhere your money is spent. Food, utilities, rent, mortgage, gas, insurance, eating out, cell phone bills, giving/donations, clothing, travel and everywhere else you spend your money are your expenses. Some are necessary expenses, but some are by choice. Spending habits are where most people end up with financial problems. People spend more than they earn. Most people can save more by adjusting how they are spending their money. How are your spending habits? Do you track your spending?
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