Lesson 1
Setting Up Your Tracking Routine
Choose and initiate a simple system to capture expenses.
Selecting your tool
You do not need expensive software. A simple spreadsheet, a dedicated mobile app, or a notebook works perfectly. The best tool is the one you will actually use. If you are tech-savvy, use a spreadsheet with auto-sum formulas. If you prefer manual entry, keep a small notebook in your bag. ## Starting the habit For the first month, record every single purchase, no matter how small. Even a coffee or a bus fare must be logged. Aim to log expenses at the end of every day. This creates a feedback loop that builds awareness. Mistake to avoid: don't estimate your spending. Estimates hide the 'leaks' where money disappears. If you forget to log for a few days, use your online banking app to backfill the data immediately. Do not judge your spending yet—just observe the raw data.