The relationship you have with your money in your 20s will set up the relationship you will be having with your money for your entire life. And this being financially wise is the smartest thing you can do. You would have definitely seen your mother or your father even in their late fortys or 50s. Write down their expenditure in a diary. Yes, this is the first and the foremost thing tracking your expenditures. You should know where your money comes and goes because you will catch yourself next time