[Jemaclus]

Hmm. I'm kinda disappointed. I was expecting more of a breakdown into an actual strategy, not what basically amounts to an ad.

Personally, tracking expenses has never really been the big problem. Once I've swiped that card, the action is done. I can't really take it back. If I go over my spending, I'm in trouble. On the other hand, if I don't swipe that card in the first place...

That's where I took back my spending. Planning ahead of time -- not tracking after the fact.

Anyway, disappointed in the ad-in-blog-form, but always glad to see advice re: personal finance.