Pikirkan pengeluaran apa saja yang Anda lakukan setiap bulan untuk melakukan hobi, kegiatan, atau membeli barang-barang tertentu. Lakukan tinjauan atas pengeluaran Anda selama tiga bulan terakhir. Simpanlah kuitansi belanja. Gunakan program anggaran keuangan untuk mengevaluasi pengeluaran.

I'm interested in that, but I only have a few mins. Can you give me at most the first 500 characters of a detailed explanation in English about that?
When you are not living within your means, the first thing to examine are things that you do not really need. Unlike fixed expenses (essentials like rent, utilities, and other payments) which remain the same each month, discretionary expenses are nonessential and are easier to cut back on.   Ask yourself: Am I spending too much money on these discretionary expenses? Are you finding it difficult to pay bills because of going on vacation, for instance? Or do you really need the designer shoes or t