spending-habits

2 questions

How do I stop overspending?

Overspending is usually a systems problem, not a willpower problem — the fix is removing friction-free access to money and adding friction-free visibility into where it goes. Start by identifying your specific overspending pattern, then apply the matching structural fix.
How do I track my spending?

Tracking spending means reviewing every transaction — bank, card, and cash — categorizing it, and comparing the total against your intended limits. The method matters less than consistency: weekly reviews catch problems before they compound, monthly reviews only tell you after the damage is done.