How do I get accountable for my daily/weekly/monthly spending? What tool can help achieve this?
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These days most banks provide online tool embeded to your account, which categorizes your expenses and income in that account. I am in australia and have account with national australia bank. They provide budget tracking tool, which gives me precise details of my expences in each category. I can create my budget for following months. Create saving goals and track them too. It gives you a comparision of expences monthwise for better understanding of your finances.
Start a budget and actually track it. You’ll be amazed at how much you actually spend compared to what you make. Me and my partner started one a couple of years ago and it has helped us really take control of our finances, as well as jumpstart an awesome savings account. Excel has some awesome templates you can adjust to your personal needs.