Okay, it's been a month of recording my spending. I've thought about where I want to be spending. I've considered what I don't want to be spending. I've lists and calculations of what is available and how to channel this into those things that are necessary and/or enjoyable. Everything works out on paper. AND YET, my bank account tells me a totally different story. It's all great on paper, until the bank redoes all of it.
If I could just get the bank to figure their numbers like I do.