I've never been good at them. Especially now, in the digital age where I can log in and see my balance any time -- and check cards making near-immediate withdrawals... why bother?
I sense that in my case "why bother" is because it makes it just a little bit harder to make those unnecessary purchases. I make the decision to buy, and then I have to reconsider the purchase when I sit and enter my receipts for the day. (Hopefully the day. After sitting down and entering all of January in one fell swoop, I would like to not have to do that again.)
Plus, once I get all my spending categories set up, I'll get to see where the bucks are really going.
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