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Yeah, going through bank statements was exactly why I realised I needed a budget. I was doing the total opposite of what I described above. Using my card, not tracking anything mentally, not checking my account and then wondering why I was always left hovering over my overdraft every month...

It's definitely harder but not impossible. I'm 100% cashless, can't remember the last time I held a note but I've worked out my budget to the penny and I know I've got £X to play with each day. It then becomes a case of mentally keeping track of purchases on any given day. That admittedly...