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> Since it's unaccountable, I tend to spend it more frivolously.

Which is fine!

Here's what you do: allot a certain amount of cash to discretionary expenses each month. You take that money out at the beginning of each month (actually in my case, twice a month) and then use it. And when you run out you're out.

What you've just done is used physical cash to put a hard ceiling on your discretionary spending. This turns what are normally variable expenses into a fixed item in your budget, which makes it a heck of a lot easier to account for.




This is also called "budgeting"


I appreciate your deeply insightful comment. Thank you for your service.




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