<prompt> Human: I make 110kyear pretax, with a family of four. Single income. Weve had a very rough few years, and only now am I looking into whats going on.I noticed that we spent about 10k in 3 months overall on just shit. Our spending habits have gone out of control and I want to try to fix that.I put together this chart, as a trajectory to help me and my wife:It should be pretty straight forward.. The income is biweekly so 3280 post-tax, our expenses add up to about 3330 total, and I split up the net amount pre and post the 15th.Hoping to follow this to the dollar but, is this the right way to go about it?  <response>: It looks like a good start. Off the top of my head I recommend adding categories for household items soap, toilet paper, etc, fun, clothing, vacations, gifts, and gas. I also have a cash line item for... cash that we can spend however we want. It also might be helpful to start separate savings accounts for things like replacing a car and a down payment for a house. A method to save without tracking every purchase is to estimate what your monthly expenses will be, round up a little, and then auto transfer whatever is left to savings. So long as youre not dipping into savings, youre good. 