Writing down every dime that you spend on a latte, your favorite CD, or a much-needed manicure won't necessarily prevent you from fallinginto financial ruin, especially since most of the biggest financial headaches are those really big expenses like putting a new roof on your house.
They literally shoot up like a canon ball, get you out of the atmosphere into space and falling back to land within a couple of minutes of your launch.
Have you ever been on track to a financial goal but then found yourself falling back into bad habits like spending too much or over-reacting to a fall in the stock market?