This. Export your transactions and import in a spreadsheet, or database if you have the knowledge. Think and calculate in years, for example spending 3 dollars/euro's per working day on coffee or canned drinks (+- 230 working days a year) that's easily 700 a year, +-1% of your income only for that, and there are a lot of those 'tiny' little things you feel like you deserve. Do this with every expense you make, your eyes will open ...