What is a good exercise that you can perform if you want to reduce the amount of money that you spend each month? 

Stop at a gourmet coffee shop each day to buy coffee and think about your spending. 

Avoid using cash for your payments and put all of your expenses on a credit card.

 Use the ATM machine to withdraw large sums of cash out of your bank account each week. 

Keep a written record of your spending and total it at the end of the week.