If you’re reading this then you’re probably in trouble already. The first step towards regaining control is proper accounting for every single cent you earn. You would be surprised how many people honestly don’t keep a track of where their money is going. There was time when I did not care about keeping up with my cash flow and guess what happened – I bounced checks. So I can’t pay all my bills and on top of that now, I have bounced checks with fees that I already can’t afford.