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Gather six to 12 months of checking, savings, and credit card statements, and break your income and expenses down into categories and then line items. I have suggested some here, but add your own as needed. Check to see if your bank or credit card company provides reporting that categorizes charges or lets you assign categories—your work may already be almost done for you: •Income—paychecks, interest, dividends, rents, royalties, business income, pension, social security, child support, spousal support •Housing—mortgage/rent, property taxes, HOA dues, insurance •Utilities—gas, electric, propane, phone, TV/Internet, trash, water/sewer •Food—groceries, dining out •Auto—car payments, gasoline, repairs, insurance •Medical—health insurance, doctor/dentist visits, prescriptions, physical therapy •Entertainment—travel, concerts/shows, sports •Clothing—personal purchases, dry cleaning, uniforms •Personal care—hair/nails, gym/yoga, vitamins/supplements •Miscellaneous—gifts, pets, donations •Children—education, activities, school lunches, childcare You can use a spreadsheet or pen and paper to take note of income and expenses as you go through statements, then calculate a monthly average for each item.

Batteries, Bug repellent, Belts, Bags , Barbecue equipment, Boots, Bath towels. Bikes, Bike rack. C - Cash and credit cards, Cell phones & chargers, Camera and film/memory cards, Coffee pot, Can opener, Cups, Cutlery, Computer, Clock, Cleaning utensils, Clothes and coats, Camping Guides, Condiments (salt, sugar, pepper). D - Dishes, Drainers, Disinfectant. F - First Aid kit, Fire Extinguishers G - Glasses, (drinking, reading, sun), Games. H -Herbs, Hair brushes, Headphones. K -Keys (house, RV, Lockers), Kindle & cable, Kitchen Gadgets. M - Medication. Money belts, Measuring implements, Maps, P - PERSONAL DOCUMENTS: Passports, Health Certificates, Insurance, Driving License, RV documents, Power adapters, Pens, Pets:

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Who upholds that the good is oft interred with our bones. ’Tisn’t true though it is Shakspeare who says it; if you leave your family or your pet hospital a good many thousands, you will get the cardinal virtues, and a trifle more, in letters of gold on your tomb; though if you have lived up to your income, or forgotten to insure, any penny-alining La Monnoye will do to scribble your epitaph, and break off with “C’est trop mentir pour cinq écus!

On top of the potential for restructuring the business, there are significant bloated costs to trim. General Insurance is paying for expensive sponsorship deals with sports teams that offer little benefit. It needlessly maintains two Gulfstream private jets. Some managers work four days a week because their workloads are perennially light. Bonus plans have targets that are far too easy to meet. Pensions are inexplicably overfunded, and the company’s contributions to pension programs can be scaled back to the lower end of targets set by regulators. The IT department is overstaffed and full of pet projects that the business will never realize value from. Low-grade IT can be outsourced to Asia.

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