I go through all of my accounts online, I write down each of the expenses and I put them into the categories that I have in my spread sheet. This is how I budget at the end of every single month. It takes me about two hours. If it's a pattern, then I think it's worth the change. But there are many months that I'll experience where I'm just not having a good month and I opt for convenience and I think that's perfectly okay. The rest of my money is for fun.

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