Write it all down – If I don’t keep track of my spending, how on earth will I ever be able to save? I need to know “How can to save money to future,” and the only way to do this is to actually look at what I'm spending my money on. Each month I should take a look at all of my expenses (cash, credit, etc.) and add them up into separate categories. Then look at those categories to see where my problems lie so I can stop it.