A money diary can be eye-opening. All you have to do is track every dime you spend for 30 days. People have paid off tens of thousands of dollars in debt just by becoming conscious spenders. By doing so, you will begin to see what your patterns are and you'll see whether or not you're paying yourself. So if you track your money, if you look at it for a week and notice that nothing went into savings, and investments, then you're working for everybody else and not yourself.