Where Does My Money Actually Go?
Most people underestimate their discretionary spending by 30%. Here is how to find out where it is really going.
The gap between what you think and what you spend
Most people can name their rent and their car payment. Almost nobody can name their third-largest expense.
- Subscriptions you forgot about
- Delivery fees and tips
- "Small" daily purchases
If you cannot name your top five categories, you are not budgeting — you are guessing.
Start here
- Pull the last 90 days
- Sort by category, not by date
- Look at the top five