I do this in a little spreadsheet just for major items, one-off items — think plane tickets, hotels, wedding gifts, etc. A rough estimate of income and expense

I do this in a little spreadsheet just for major items, one-off items — think plane tickets, hotels, wedding gifts, etc. A rough estimate of income and expenses per month gives me a good idea of "how long" those things cost. The extra time dimension is helpful when evaluating and considering other choices.