Debt Free In 30

Is tracking every single expense the key to taking control of your finances, or just a fast track to burnout? What are the pros and cons of meticulous money tracking? Doug Hoyes and guest Charlie Kovacs debate who benefits most from detailed spending logs, when it’s OK to simplify, and strategies to build a money system that actually sticks. 00:00 – Welcome & Introduction: Charlie explains why he’s a fan of tracking expenses 08:00 – Variable vs. Fixed Expenses: Focusing on variable expenses to reveal patterns 10:00 – How to Create a Simple Spending Summary 11:30 – The Motivation Problem: Why staying on track is hard 13:30 – Start Small: Charlie’s advice for tackling one category at a time 14:30 – One-Week Tracking Tip: Find Your Spending Baseline 20:00 – The Subtraction Method: Identifying savings opportunities 23:00 – Should You Have More Than One Bank Account? Pros and cons explained 26:00 – Finding What Works: Progress, not perfection Personal Budgeting Help and Free Spreadsheet DIY Credit Repai