<prompt> Human: In which ways can we possibly improve our spending habits and track the ways we spend our money?We have tried financial apps but sooner or later we stop using them for whatever reasons. What are some methods that you guys recommend?Our rent is 230, utilities are about 100-150. We are paying about 1000-1200 a month to my wifes step-father for lending us money for a deposit on our apt. It was a 20,000 loan. I just paid off my Sallie Mae loans but still have federal loans that I pay at 250-350m.Edit: I should have stated that we live in South Korea. Our rent is so low bc we won a housing lottery. Habit Habit Habit... Thanks for your replies. We are realizing that we are the problem.  <response>: Youve tried using apps to track spending and you havent kept up with them. Theres youre problem. Just dont slack on that shit. Do it. You dont need advice from anyone here, you need to be disciplined. 