I've finally reached the 1 month mark of using the personal finance software, You Need A Budget (YNAB). It's the first time that my expenses are measured to the cents, inclusive of all the accounts that I had. In the past, I didn't include the cash in my wallet and neither did I group all the spending I had using my credit card and cash together. For example, if I've spent $100 on food using cash and another $50 on food using credit card, I didn't take into account that I spent $150 on food. It's a simpler inclusion in my spreadsheet to do it, but I just didn't do it. I guess there's no real reason for me to do it.
Well, using YNAB didn't give me a choice.
Hence, I uncovered a few things about my spending:
1. I spend about $540 on food. These includes groceries trip, ......