Track your spending in 5 minutes a week

Budgets fail when tracking feels like bookkeeping homework. A five-minute weekly ritual with categories you actually use beats abandoned spreadsheets.

This preview sets the ritual. Club adds templates and “problem category” deep dives.

One inbox for spending

Pick one place: notes app, shared album of receipt photos, or a simple sheet. Capture the same day when possible. Weekly, tally into 5–7 categories — not 40.

• Include cash and “I’ll Venmo you later” leaks.
• Tag subscriptions monthly so they don’t hide.
• Review one surprise category without shame — adjust next week.

The five-minute weekly review

• Dump receipts or card exports into one note or envelope.
• Tag only 4–5 categories — more categories kill the habit.
• Circle one leak to fix next week; ignore perfection.

Keep it under five minutes

If the ritual takes half an hour, you’ll quit. Cap the weekly review at five minutes: dump receipts, tally three numbers, pick one tweak. Depth comes later inside Club worksheets.

Five honest minutes a week beats an abandoned budgeting app.

Club members get the five-minute Sunday template, envelope-style digital categories, and a leak hunt for food delivery and micro-subscriptions. Subscribe to unlock the system.

Five minutes, one weekly ritual

Pick a weekday, open the bank app, and tag only the categories that surprise you — food delivery, transport, subscriptions. You are not building a CFO dashboard. You are hunting leaks. A notes app table beats an abandoned budgeting app.

• Capture subscriptions first — they hide in plain sight.
• Circle one leak to fix that week, not ten.
• Compare two weeks before you change habits so you have a baseline.

Members get the exact template, category list, and the “cancel or keep” script for subscriptions.