To be financially responsible, you can keep track of how much money you spend by keeping a checkbook updated. When doing bills, buying groceries and clothes, and spending money on other activities, you use the recipes to record your spendings in the checkbook. Another way to stay financially responsible is to use a debit card more than a credit. When using a credit card, you're borrowing the Bank's money rather than your own and you have to pay them back. Slowly, that can cause more problems when late fees are added, or worse, your interest rates begin to fluctuate.
