Read your latest bank statement

Go through the last month's entries and look for anything unfamiliar.

Why it helps

Errors and unwanted charges happen, and they are easiest to fix when you catch them early. Reading also shows your real spending.

How to do it

1. Open your latest statement.
2. Scan each line for charges you don't recognise.
3. Contact your bank about anything suspicious.

Make it easier

Check only the biggest five charges.

Make it harder

Mark each charge as need or want.