Welcome back, friends!
Yesterday, in Day 1 of our personal finance journey, we explored our relationship with money. Today, we take the next big step — finding out where your money actually goes.

You might be thinking, “Oh, I already know that!”
But let’s be honest — do you really? Do you remember exactly how much you spent last week on small day-to-day expenses? That quick cup of hot cutting chai, the bus or auto fare, or that instant mobile recharge?
Individually, they may seem tiny — but when they add up, they can quietly swallow a large chunk of your monthly budget.

Become a Detective for Your Own Money 🕵️‍♂️

The good news? You don’t need a finance degree to figure this out. Here are some easy ways to track your daily expenses:

1. Digital Detective (Expense Tracker Apps) 📱

There are plenty of budgeting and expense-tracking apps in India that make this super easy.
For example, apps like Wallet by BudgetBakers let you record and categorise every expense. Within a few days, you’ll get a crystal-clear picture of where your money is flowing.

2. Google Sheets (Your Personal Money Database) 📊

If you’re comfortable with a bit of tech, create a simple Google Sheet with columns for Date, Item, and Amount. It’s surprisingly effective — and you can access it anytime, anywhere.

3. Old But Gold — A Pocket Diary ✍️

If you prefer an offline method, keep a small notebook in your bag or pocket. Each time you spend, jot it down immediately. You’ll be shocked at how much this simple habit can reveal about your spending patterns.

Common Indian Expenses to Keep an Eye On 🇮🇳

Some expenses are almost part of our daily culture:

• Tea & Snacks: That office chai, samosas, pakoras, or biscuits.
• Public Transport: Bus, auto, rickshaw, or metro fares.
• Mobile Recharge: Data packs and calling packs.
• Small Household Buys: Groceries, cleaning supplies, small home items.
• Street Food: Golgappas, momos, tikki, and other local favourites.

Your Action Plan for Today 📝

For the next 7 days, track every single rupee you spend.

• Use an app, Google Sheets, or a pocket diary — whichever works for you.
• Record without judgment — just focus on capturing the data.

Tomorrow, we’ll analyse this information and see how it can help you save more and spend wisely.

Until then — stay alert, stay curious, and keep being a detective for your money!

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