We need to figure out how much money we are spending and what we are spending it on ?   Why ?   Well , I think we could be saving more .   Really ? Well . Ok . 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 1,825 dollars . 