Build a Spending Tracking System

I want to: build a spending tracking system.

Monthly income: [£AMOUNT]
Current monthly spending: [£APPROXIMATE TOTAL]
Where most of it goes: [TOP 3 CATEGORIES]
What I've already tried: [OR 'nothing yet']

Give me an actionable plan:
1. **Where the money is actually going** — often not where we think
2. **Top 5 cuts I can make immediately** — specific, not vague
3. **The ones worth the effort vs not** — prioritise by impact
4. **How much I could realistically save** per month
5. **System to maintain it** — without constant willpower
6. **One action to do today** — the quick win

I want to: build a spending tracking system.

Monthly income: [£AMOUNT]
Current monthly spending: [£APPROXIMATE TOTAL]
Where most of it goes: [TOP 3 CATEGORIES]
What I've already tried: [OR 'nothing yet']

Give me an actionable plan:
1. **Where the money is actually going** — often not where we think
2. **Top 5 cuts I can make immediately** — specific, not vague
3. **The ones worth the effort vs not** — prioritise by impact
4. **How much I could realistically save** per month
5. **System to maintain it** — without constant willpower
6. **One action to do today** — the quick win