0. and 1. is exactly why I built myself a 'this-should-be-aspreadsheet' webapp to estimate my expenses to have a rough budget. I only update it once in a while

0. and 1. is exactly why I built myself a 'this-should-be-aspreadsheet' webapp to estimate my expenses to have a rough budget. I only update it once in a while and check if it's somewhat accurate. I'm quite happy with that approach. Thanks for the ideas of 2-4!