Download or read book A Penny Saved Is a Penny Earned! Monthly Bill Paying Edition written by @Journals Notebooks and published by @Journals Notebooks. This book was released on 2017-02-15 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Have enough savings each month by becoming mindful of your spending. Monitoring and writing about your spending habits changes your perception of how money is used. You learn to think twice before buying. You become conscious of your dwindling resources. Most importantly, you are reminded of the bills you have to pay and when you need to pay them. Use this journal today!