Hmm. I&#x27;m kinda disappointed. I was expecting more of a breakdown into an actual strategy, not what basically amounts to an ad.<p>Personally, tracking expenses has never really been the big problem. Once I&#x27;ve swiped that card, the action is done. I can&#x27;t really take it back. If I go over my spending, I&#x27;m in trouble. On the other hand, if I don&#x27;t swipe that card in the first place...<p>That&#x27;s where I took back my spending. Planning ahead of time -- not tracking after the fact.<p>Anyway, disappointed in the ad-in-blog-form, but always glad to see advice re: personal finance.