> I see so many people categorizing everything with spreadsheets and budget apps and I just ask myself... why? I was saving 30% of my income per month, and wan

> I see so many people categorizing everything with spreadsheets and budget apps and I just ask myself... why? I was saving 30% of my income per month, and wanted to save at least 50%. So I decided to measure my expending, and try to cut it off without actually impacting my quality of life. I discovered that substantial parts of my expending were going to: warm and cold water (2x the national avg per person), electricity bill, take-away food, transportation, health insurance. I changed all the water taps with ones with a lower volume rate "by default" (you have to go out of your way to open them to the max), replaced all bulbs with LEDs, decided to only go for take away once per week but get the nicest and most expensive one instead, bought a bike for commuting, and changed health insurance and electricity providers to similar ones, but much cheaper. Those were minimal changes in lifestyle that bumped my saving ratio from 30% to 60%. Without measuring, I would probably would have taken a bunch of random actions that would have impacted my lifestyle more, and not delivered such a big jump. I don't routinely use these apps, but if you want to continuously optimize your expending, measuring it is step 0.