When I was a young single man, I had an effective way to track my personal finances. At the start of the month, I&#x27;d calculate how much money I had left over after fixed expenses (rent, internet, etc) and whatever savings I wanted for that week.<p>I&#x27;d then divide that by 4, and 4 times a month, I&#x27;d withdraw that amount in cash from my account, and use that for discretionary spending like going out, groceries, etc. That way, I could tell myself by just looking in my wallet: &quot;OK, I went out for drinks twice already this week, I have 40$ left, I&#x27;ll keep it easy until Monday.&quot;