We need to figure out how much money we've spent and what we've spent it on .   Why ?   Well , I think we should save more . If we save more money we can retire earlier and enjoy our life better .   Really , well , OK . Get the receipts out .   Let's see . We spent $ 700 for our home loan payment , $ 300 0n groceries , $ 75 0n utilities , $ 250 n gasoline , $ 100 on books , and $ 400 0n entertainment last month . 