Track Every Expense for One Month
Track every expense for 30 days, so you see where money goes and feel more in control.
1–5 mins
Daily
Effort: Moderate-
Ingredient: Financial Security & Stability
Feeling secure and confident about your finances.
How
Pick a simple method: notes app, WhatsApp-to-self, a tiny notebook, or any basic expense app. Create 5–6 broad buckets (Food, Transport, Home, Health, Personal, Misc).
Log it right away (takes ~10–20 sec): amount + bucket + one word (e.g., “coffee,” “auto”). For cash, snap a photo of the bill if you’re in a rush and write it later.
Weekly 10–15 min check: total each bucket, circle 1–2 leaks and set one tiny tweak for next week (e.g., “auto twice → metro once”).
Easy Start
For today only, note every spend in one list. Add buckets this weekend.
Why It Matters
Questions and Thoughts
- “I’ll forget.” → Log immediately or drop a photo into a “to-log” album and clear it nightly. Set a 9pm reminder.
- “Shared household; hard to split.” → Track just your spends first or tag shared ones with “shared” and total them separately.
- “Feels judgy.” → Use neutral labels (“food out,” “ride”) - no good/bad words. The goal is seeing, not scolding.
- “Privacy.” → If using apps, avoid ones asking for bank SMS access; or stick to notes. Lock your notes with a passcode if needed.
Care Notes
Never store OTP/PIN/card numbers. Be cautious with apps that read SMS or need wide permissions. If money tracking spikes anxiety, track totals by bucket rather than every line, and take a breather day.
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