>How do you remember all that. I ask for receipt for everything (mind, here every cashier is legally mandated to offer you one without asking, so I decided to

>How do you remember all that. I ask for receipt for everything (mind, here every cashier is legally mandated to offer you one without asking, so I decided to take advantage of that). I neither use a fancy app, but old LibreOffice Calc thing I started a couple of years ago. I can now reliably predict my grocery expenses for each year; I also have a fairly good idea exactly how much I can afford to spend on unnecessary things like entertainment (books, Spotify etc) each year, so I now pay the mental effort to actually prioritize how much I want different things. I no longer pay things without planning it beforehand. Maybe some people can do that kind of mental accounting without help of writing that all down on a paper or using software, but I've found it helpful.