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He lasted eleven days. The second lasted three months. The third is still alive because he became three times simpler.

It's a pillow. Its job is to lie on, not to generate income. The hardest three months of expenses are the most useful.

Over the past six years of working with other people's money, I've come up with a short list. It's not pretty, but it works.

My entire accounting is one table with twelve lines. No living budget can withstand more difficult things.

Not big expenses, but everything — down to the smallest purchase. What surprised me wasn't what I spent, but what I didn't notice.

I'll show you my real spreadsheet. Nothing fancy: dates, amounts, and one "why" column.

Coffee at home, a sandwich to take with you. Not to save money, but to see how much a habit costs.

The old method, which still wins in applications: money is visible to the eyes, and the hand does not reach out.

I wrote down everything down to the last penny. What surprised me the most was not the big thing, but something I hadn't noticed at all.

Once a week, fifteen minutes. A budget doesn't work if you sit down to it once a month.