I buy a page a day diary in September, and I record in it all my 'financials' for the following year, money going in and out on certain days ( mine and OH pensions, etc). then when I spend anything I take it off the total and have a really good idea of what is surplus.....not much these days!!
I have been doing this for quite a few years, and find it very handy and also therapeutic to know when and where money is going to.
Sharp pain in second and third toe



