[XorNot]

This is what I do as well. Everytime I've looked into the whole personal finances thing, it just turns into a lot of setup work to not usefully change anything about my life, and a significant amount of ongoing work to... Also not change anything.

[zie]

I think there IS a useful reason to count the pennies, if you are one that needs help staying within self-imposed spending limits. But even tracking it doesn't solve the actual problem, which is behavioural, it might help enough to be useful.