[peacemaker]

I've gotten more careful with this since moving here because you're right, it can disappear so quickly. It's especially bad at my workplace because everyone goes to lunch together every day and that'll set you back $7-10 a day easily.

I started using mint.com to track my spending and the main issue in SF is rent. Followed closely by food costs. I was living in the mid-west briefly, earning only a few $K less than here yet saved so much more money and never had to worry about the minor spending adding up.