I tracked every single daily expense for a few years, until I hit a point where I realized I already knew exactly where my money was going and how much I could realistically save. It just comes down to discipline.

I really appreciate the idea and saved it for potential future features! My only hesitation is that adding practical projection tools might make shouldhavebought lose its fun, curious spirit and turn it into a serious financial app.

You're right of course. For me the difference maker is in seeing on a projection chart that if I just cancel 2x zwift, disney and netflix, I can save up to:

Savings from Cuts

€11,048

€60/mo @ 8%

within 10 years. That's HUGE! While the 60 Euro a month seems kind of irrelevant on its own.