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by RickJWagner·5mo ago·view on hn ↗
If you have some time to prepare, put your spending on a single credit card. After a few years you’ll have a very good estimate of your expenditures.
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I have an Excel (actually, a Google Sheet) with that data. Each credit card, and the total, each month.

[My university changed their official bank a few times, so I have a few free credit cards, and each one has different discounts.]