Do you find that your expenses are more than your income?  There are steps you can take to develop a spending plan and move toward balancing your budget.  There are different ways to track of your expenses.  “The most important step is to write it down,” says J. Michael Collins, family and consumer economics specialist with the University of Wisconsin-Extension.  Once you have it on paper you have a much better sense of where the money goes.  To get more tips go to: Cutting Back Spending Strategies