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Highly recommend creating a ledger of all spending. It's amazing how quickly the little things add up, by simply taking the time to write things down it becomes much easier to see where it all goes.

Many credit cards claim to do this for you, but to me that defeats the point. If you aren't taking the time do your own accounting, it simply becomes another email/HTML table/push notification/whatever to ignore.



I do this. I have a daily planner with plenty of blank pages and write down, by hand, every transaction I make. I start with my monthly budget, subtract rent, groceries, a video game, a movie, etc. Anything beyond my budget, whether it's salary or a stimmy, goes to saving/investing.

It's been incredibly helpful for being aware of my spending. In fact it's so helpful I actually forgot how much I'm saving and was pleasantly surprised when I remembered how much it is. It's also very effective for staying on top of lifestyle creep.




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