All the points you make are very conscientious and exact habits!.
I find it very important that people have a planning, that is to say, to have written down preferably in a notebook with a pen and paper, all the expenses that they are going to need to do daily , weekly or monthly. In this way we will have a deeper control of our finances And this creates a habit for us because this psychologically creates in our mind a feeling of responsibility and control, which allows us to more effectively manage our finances.
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