David’s approach is to examine how much you spend on small things. In fact on everything! It is only once you have a comprehensive overview of your finances that you can decide what needs to stay and what needs to go. Also, if you overlook certain costs when planning your finances, when these costs do come up, they will take you by surprise and derail your new budget. If, though, you have factored them in, you will take them in your stride and your new budget will be here to stay. Increase your chances of success by capturing the whole of your finances.