A few years ago, I did a very good job of tracking all my spending. As my income has increased since that time, I’ve found less value in keeping notes on the ultimate destination of every single cent. I believe that close scrutiny is required when someone is looking for ways to improve their finances, particularly when expenses are close to or exceeding income.
While I sometimes feel like I should be doing a better job at keeping Quicken updated with the latest information on a daily basis, I generally will allow myself more slack with my accuracy.
I came across a poem by Robert Frost that affirms my recent perspective, from The Hardship of Accounting:
Never ask of money spent
Where the spender thinks it went.
Nobody was ever meant
To remember or invent
What he did with every cent.
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To give this poem more context, Robert Frost didn’t have a Visa card, car payment, or HELOC.