But in years of tracking my spendings (mostly with my smartphone) I have pretty constant spendings for my day to day live (rise of cost of living etc. in mind).
I would describe me not as rich -not even close.
Tracking budgets for example food / clothes per month helps me staying in a certain range.
I get your point and that maybe there is a bias.
But in years of tracking my spendings (mostly with my smartphone) I have pretty constant spendings for my day to day live (rise of cost of living etc. in mind).
I would describe me not as rich -not even close.
Tracking budgets for example food / clothes per month helps me staying in a certain range.
Do you have any data from a period where you paid cash for most things you could? Gas, groceries, etc.
Would be interesting to see the comparison.
Unfortunately not.
My records over 4 years are heavily mixed with predominantly card payments.
Perhaps the continuous use of card payments has an influence?