Mine's similar to your second one Astrid. But because I work in a bank, am on a computer all the time, love spreadsheets and am a bit ocd about it I keep it up to date daily lol. It's a 'live' document all on one tab, so if I hop on and update today's shopping from $200 to $250 I can see right away that our balance for Friday is less than I expected and I should wait til Monday to get fuel or something.
I find it very handy and don't think I'd get by very well just spending without knowing what was going on with the accounts.
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