<prompt> Human: Novembers 30-Day Challenge to track ALL spending has concluded. What did you learn about your spending patterns? Did anything surprise you positive or negative? What made tracking easier than it previously had been before undertaking the challenge? Share your resultsexperiences in the comments.  <response>: Aced it. I have been using YNAB for almost a year now. Its pretty scarry that I used to determine if I could afford something by only checking that my bank account had enough to cover my credit card balance.It is pretty crazy seeing how much all those little purchases can start adding up. 