So where the hell does it go....

I can`t seem to track what I spend my money on.

I don`t do drugs (period. tylenol is a wild night for me). I rarely drink and never to excess. I don`t drive so no gas bill pour moi.

So I thought, okay, I know there are fixed versus variable expenses, so I just need to determine my fixed expenses.

FIXED EXPENSES

• Rent - $928.00
• TTC Pass (aka overpriced Piece o`Crap user fee) - $109.00
• Mobile - $65.00
• Gym membership - $62.00
• Rogers bill (home phone, cable and internet) - $145.00
• Tenant Insurance - $21.00
• Personal Trainer Fee - $62.00
• Bank Fees - $13.00
• ADD and CI Insurance - $9.00

I couldn`t begin to tell you where my money goes on the variable ones, but they include:

• Groceries
• Books
• Dining Out
• iTunes
• Toiletries
• Clothes
• Shoes
• Magazines
• Credit Card
• Movie Passes (I buy gift certificates in bulk)

Every month, I`m basically broke and not quite freaking the hell out over it. I don`t know how much I`m spending on my variable expenses, only that I am spending way too much.

I can`t seem to save any money and I`m unhappy about that.

Time to fight an unpalatable future and learn to plan, I guess!

My next step is to establish my goals and figure out how the hell I can achieve them.

GAME ON!