Read? Retirement Income for Life??? (14) - How much is enough for retirement? Uncle8888 is doing it simply and Excelly with one dedicated bank account for expenses : GIRO, ATM cash withdrawals, NETS, credit cards and ITR i.e. all cash out flow! Just once a month of less than 15 - 25 mins of effort to download the monthly statement. Copy and paste into Excel worksheet. Add remark column and keying remarks for those non regular expenses that can be reduced or cut during bad times. The whole idea here is NOT to sweat the small stuffs in tracking expenses. Later SMOL will come and call him Excel King. LOL!   Explanation to the above chart: Monthly family expenses for five members (Me and housewife and 3 children)  is group into $500 different band on X-axis. As an example only for the purpose of explaining this chart. The ......