One of the goals I've set for myself in 2020 is to adopt a philosophy of minimalism and use budgeting tools (can be as simple as a spreadsheet) to be mindful of

One of the goals I've set for myself in 2020 is to adopt a philosophy of minimalism and use budgeting tools (can be as simple as a spreadsheet) to be mindful of where my spending goes and try to rein in the excess spend.