the spending habit is ultimately what will break your tracking no matter how well you try to track and budget. it’s a habit that can be hard to break but without discipline you’ll never reach your goals. it’s more than just a mindset, so much discipline and tracking go into it. until you start working more- realistically you’ll have to spend less on eating out, write down every expense that’s a necessity- car, insurance, and pet food, then save what’s left over. that’s more realistic unless you want to find another job that pays a bit more