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coach hines weeks and scrape the bottom of the bank account on non pay weeks.Don't overlook one time expenses such as trips (gas and perhaps lodging), gifts (birthdays, Mother's Day, Valentine's Day), yearly dues (fitness club, service club) and personal development expenses (continuing education, hobby classes).Include small expenses such as coffee, snacks and magazines. If you hit Starbucks or Tim's on a daily or more basis, this can add up.Take into account any payments you want to start making, such as money toward a retirement savings plan, education savings plan or other investment.After you've got your planned expenses written down, you're going to need a couple of weeks to record every penny you spend. This means saving receipts and transfer the amount of the expense to a notebook on a daily or weekly basis.At the end of the week, compare your expenses to your income and decide how much you can actually afford.Multiply your weekly spending in each category by 52 weeks and add each category together to get your yearly spending. Compare that to how much you're bringing in and you know instantly if your spending is realistic.If you're spending too much, start cutting back on the coffees, the snacks, trips and variable expenses. You likely won't catch a break on your fixed expenses, but take a look anyway.That's a good start. I'll let you know Jan. 5 how I'm doing and I'll also examine how to stay on top of your budget once it's under way. Harston is Sun Media national business editor.Tobacco ban to be bolstered (May. 27, 2009)OTTAWA Felicia Janulewicz used to try candy flavoured cigarettes at parties.