[aetherspawn]

Without going quite to the extreme of the author, a good place to start understanding your habits is to use something like Xero to consolidate all your personal credit cards and bank accounts.

Not only does this give you a good idea of what you did each day, but it’s extremely beneficial for both budgeting and tax purposes.

The base plan for $10/mo does this. You can use Microsoft Todo to set the habit of consolidating every morning with your coffee.

I spent around $1200 on alcohol in the 2 year Melbourne lockdown, around $2000 on coffee, and a whopping $40 on entertainment venues (indoor sports, movies, tickets, etc). Aside this, I learnt that I spend less than I expected on eating out vs buying groceries, and all things considered it’s probably cheaper for me to rent a car permanently than own one if I want a nice car.

[jmnicolas]

To me it doesn't feel right to let my financial data accessible to some random company. If i could hide to my bank, I would!

I used a non connected Android app before, but since I moved to a phone without Google Play support, I'm writing my own app.

[twobitshifter]

You might be interested in the free Personal Capital app which can juggle investment accounts, credit cards, and checking accounts all in one app. I tried a few of these including Wealthfront and Personal Capital worked the best for me. They make money selling financial advice so you might get a couple of phone calls early on, but they seem to have stopped calling me.