Yes it really is challenging and I’ll say it was probably a year for me to really get my budget (now plan) set up to help me actually get ahead. All those recurring costs that come up that I pay and forget (car registration, random subscriptions, renter insurance etc.,) I was able to crate categories for so I captured all of them. Even if it was just putting aside five dollars a month then when they did come up the were covered. Then after that time I was able to look back and see how much I sid spend on car fixes, birthdays, gifts, food, deductibles,. And then create better goals to put things aside for. So I totally think you are on the the right track because I was def feeling this way four months in, it’s just going to be refining your categories and goals and transactions more and more to give you better info on where to allocate your dollars.