budgeting planning

One of the additonal tools that I have implemented, is I have started to carry along 2 small notebooks, 1 for day to day spending, (or you can adapt your day to day diary for this) one of the problems that I personally have is that I have an amount of money in my purse and by the end of the day it has been frittered away and you spend the next half hour or so trying to recall where you have been throughout the day, that is where the notebook comes in when you have paid and are waiting for your change just make a quick note on how much the purchase was, you may get some strange looks from other customers but as far as I'm concerned you probably wont see them again (unless they follow you around to see what you are writing!) and you will then have at the end of the day a concise record of where your pennies are disappearing to.
The other notebook is what I do my menu planning in. One page, menu for the week, next page shopping list, and next to the items I write in a rough costing of how much each item is (or how much I want to spend up to) with being on a tight budget this gives me the scope to adjust the list to fit in with the budget. Finally when I get home, - and this may seem a pointless and thankless task - I go through the receipt and then list by each item the actual cost, and then to list seperately items that have been bought not on the list, this is where I normally find all the extras that have slipped into the trolley which is where of course all the extra pennies slip away. Although this may seem time consuming, its a task that only needs to be done as often as you shop. and if you are living to a tight budget or trying to pay off debts - or in our case both it needs to be done, make every penny count, and as the saying goes look after the pennies and the pounds will take care of themselves.