Getting past a month is the toughest part. It’s not too bad for the first few days of the month, but after a week, remembering to go through the freakin’ receipts is a drag.
I know this. I’ve run across this psychological barrier many times and it’s tough to crack.
Fortunately, if you use a credit card for most of your purchases, you already have a record of what you buy — or, at least, the stores that you bought at. This record, coupled with your receipts — which you can just shove in a box, honestly — are enough to give a decent picture of where your money went for the month.
Once you’get this 80% – 90% picture of where your money has gone, then you can tackle the last little bit — the cash purchases at the vending machine, paying out an allowance, yard sale purchases, etc. But that becomes much easier to do if it’s only a small part of what you buy.