- Writing things down makes you see your money — and your mistakes.
- Seeing mistakes is the major value of a money journal
- Use a notebook, notepad app, or calendar — no need for fancy tech.
- List income, expenses, and small leaks (like recharge cards or snacks).
- Check your money journal weekly: what’s a need, what’s a waste?
👉 If you don’t track it, you can’t fix it.