We need to figure out how much money we ’ re spending and what we ’ re spending it on .   Why ?   Well , I think we could be saving more .   Really , well , o . k . Get the receipts out .   Let ’ s see . We spent $ 700 dollars for our home loan payment , $ 400 on groceries , $ 75 on utilities , $ 250 on gasoline , $ 100 on books , and $ 300 on entertainment last month .   That ’ s $ 1825 .   We put $ 500 into the savings account , and $ 750 into our stock account .   $ 3075 . Our paychecks our $ 3300 , combined . That means we don ’ t have any receipts for $ 225 . 