It is common for financially savvy folks to budget and track their daily, monthly and annual personal or family expenses. I used to have a spreadsheet to keep track of my spending during my uni days but I have stopped doing that since 8 years ago.

Laziness? Lack of self discipline? Yes partly but those bad habits are not the main reasons.


Our Expenses become the Revenue of businesses
When I buy a $3 cai png (vegetables rice), my 2 dollar note and 1 dollar coin goes into the cash register of the mixed vegetable rice stall and becomes the revenue of the stall. When I buy a new iPhone through recontracting my mobile plan with Starhub, the $847 I paid contributes to the revenue of Starhub. The money we spent no longer is our money. The money we spent become the revenue of businesses. I do not want to track money that...