How do you track your expenses? How do you set your budgets?

I use the traditonal method of keeping notes at the end of day..set aside a daily budget for general expenses like meal,transport and monthly budget for entainment, insurance expenese, etc

Firstly, I will have a complete understanding on my cashflow. Through this process, I will understand my earning ability and spending habit. Here is a guide to help you: https://www.blog.pzl.sg/understanding-your-pers...

Next, create a budget that is capable of helping me to plan for the future. The best way to do this is via automation and this is how I do mine: https://www.blog.pzl.sg/how-to-create-a-monthly...

Yes, I have a very strict budget that I follow since my 20s. It has definitely work well and I don't intend to change it.

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