How to Use Spending Data to Fix Your Budget

Budgeting for Beginners with Fexingo: Cash Envelopes, Apps, and Simple Money Tracking · May 31, 2026 · 8m · transcript

Lucas and Luna dig into the power of tracking where your money actually goes before you set a budget. Lucas shares a specific case: a listener named Jenna who thought she spent $280 a month on dining out, but a 90-day spending audit revealed the real number was $470. They walk through how to run your own spending audit using bank statements, apps, or even a notebook, and explain why most budgets fail because they start with aspirational numbers rather than real data. The conversation covers the surprising categories where spending creeps up — subscriptions, convenience store runs, and small…