Three methods
- A small notebook where you write each purchase.
- A spreadsheet with date, amount and category.
- A weekly read-through of your bank and card statements.
Choosing categories
Start with five or six: housing, food, transport, bills, personal and other. Add detail only if it helps.
A weekly review
Once a week, add up each category. Compare with your budget and note anything surprising.
After a month
You will have a clear picture of your real spending. Use it to update your budget.
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