If you have trouble tracking your money when it's all lumped together, consider putting that money into separate "buckets" for each category. For example, have a savings account for your savings, one checking account for fixed expenses, and a second checking account for your spending money (which includes anything from groceries to "fun"). That way, you only "see" the money that you can spend, without having to think about what's coming up next. This isn't something everyone has to do, but many of you have noted that it's helped you out a lot.
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