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hyporational comments on Open thread, Dec. 1 - Dec. 7, 2014 - Less Wrong Discussion
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How do you track and control your spending? Disregarding financial privacy I started paying with card for everything which allows me to track where I do spend my money but not really on what. I find that I in general spend less than what I earn because spending money somehow hurts.
I did a rough estimation of my normal monthly costs of living and then added a small amount for fun. The rest of my monthly paycheck gets semi-automatically invested in ETFs and can't be used without transaction costs. I have a small buffer account that I can use for unexpected expenses and if this happens I'll be aware of it the next month and try to spend less and grow the buffer account.