I'm horrible at spending money, I can never account for it. Doesn't matter if its cash or EFTPOS - the only difference is, with EFTPOS I can go back through the listings and figure out what I bought

Something we did was buy Mortgage Watchdog software. You can use it for all your bank accounts, credit cards, mortgages; then you just do some basic data entry when you get your statements, and it uses the same interest calculating formula that the banks use, to figure out if you're being overcharged. We haven't got heaps back, maybe $500 over everything, but it makes a difference y'know?