Not an answer to your question, but rather an observation regarding budgeting: I daily document my account balance to the penny, which unexpectedly acts (for m

Not an answer to your question, but rather an observation regarding budgeting: I daily document my account balance to the penny, which unexpectedly acts (for me) as a brake on superfluous spending. Simply the act of penny-wise documentation compels the need to be aware of spending. Having merely a spreadsheet and a budget app, that framework encouraged me to compare my current day balance with the previous month's day, and provided a visual reward when my balance was higher. In sum, maintaining granular data about my account led to good things.