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In response to "I maintain a detailed Excel spreadsheet about every cent I spend, how it fits in with my daily and monthly budget, over/unders, and avg spending rate." by Hotkiss

I do that too (but quicken, not excel). I just put cash in a category all its own, and try not to ever use it.

I limit myself to a certain amount in cash spending per week (unless I'm going drinking, that's always cash, and has its own category).

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