When we break even each month, we are often failing to save for unplanned emergencies, as well as non-monthly expenses. Non-monthly expenses are things that we know will have to pay for eventually, but we do not receive a bill for them in the mail, so they are easy to forget about (i.e. school supplies, birthdays or holidays, vacations, car or home maintenance, etc.). The best way to find out where your money is going is to track your spending (every purchase) for 30 days and then add them up. Small purchases add up, so try to plug your “spending leaks” to find more money to save.