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  • I do still categorise my payments though just to see what I’m spending on. I use the smiley face entertainment category for booze only. It’s quite scary how quick that one can add up. But I don’t touch the budgets. I just want to know if my overall monthly spend is on track as im going.

    At the end of the month I then transfer any surplus into a savings pot. Wish I had Monzo when I was in my 20s...

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