Tracking spending

Mr. LL and I have been regularly tracking spending for about 9 months using a simple Excel spreadsheet into which we enter all our receipts and debits for the month.  We have a master category of lists (from gym and mobile phones to toiletries and sewage capacity charge) that we itemize along with one total that doesn’t include our mortgage, and a grand total that includes it.  That way we get the actual amount of money that we are spending each month, along with the total amount of spending that is adjustable based on various small decisions that we make.  We can also see what specific categories that we can spend less on.  It has been really inspiring to see how much we can cut in a variety of areas to add up to big changes.