Failing to track leaves you vulnerable. You may find yourself spending more than you make or relying on high-interest credit cards and debt to pay bills.
Ads aren't random. They're targeted to make you think you want to buy something. Don't fall for it. Use your plan and try shopping with a list.
Nothing wrong with liking to buy stuff. But you need to be able to afford it. Think twice before trying to keep up with the Joneses.
Eating out is expensive. And not always the best for you. Spending extra money just to eat out isn't helping your financial situation.
Credit cards can be a fantastic tool to build credit and wealth when used responsibly. But they can be dangerous when relied on for everyday purchases and to cover for poor money habits.