I use excel. My goal is to find out my monthly costs of living and how much I spend on extras like holidays and repairs. Recently I have greatly simplified the

I use excel. My goal is to find out my monthly costs of living and how much I spend on extras like holidays and repairs. Recently I have greatly simplified the process. It helps to have a separate contactless card (eg Revolut), everything spent there goes into the monthly living costs column, I don't care about the details.