I just have a very small budget, so it doesn't happen very often that I'm spending money on things I do not need. I created an excel file in which I'm listing each Cent I make, or spent, and it shows me exactly how much is left for the rest of the month. So far, I always managed to stay under the limit, but sometimes it's difficult when there are bills for insurances, or when I have to get my car fixed.

The excel file I'm working with is listing my expenses in different categories, like food, personal hygiene, cats, meds, clothes, leisure etc...

Kirsten