My current automation system looks like this:

  • 50% Savings

  • 10%

  • 30% Fixed costs (rent, groceries etc.)

  • 2% Travel fund

  • 1% Gift fund

  • 17% Spend on whatever I want guilt-free

I use YNAB methodology to somewhat manage my spending but not proactively. I try to be mindful with my spending at all times and try to never disregard spending on quality healthy food and essentials for my well being. Both N26 & Monzo track spending into categories and do a good job of it.

Ongoing subscriptions

I use the Bobby iOS app to track my ongoing subscriptions. I review it every week or so to view any upcoming payments.

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