Money is one of the most common sources of stress for many people. However, there are steps that you can take to keep spending under control. Tracking your spending is one option that may help. You may end up surprised at all the little ways you are spending money each month, without realizing it. That daily store-bought cappuccino could be replaced by a simple cup of brewed coffee at home. Your online shopping may be eating into your bank account more than you realized. Or maybe you’ve gotten into the habit of eating out for lunch or dinner every day, and could save by cooking meals at home more often.

You can track your expenses by using an online tool, a smartphone app, or a simple notebook. Just make sure to jot everything down and keep track for at least one month. Then brainstorm some ways to cut your expenses. It may be easier than you think.