2d (edited) • 40 Days of Financial Clarity
Day 10 - categorizing the top spending categories
A few categories usually dominate 60–80% of total outflow. Identifying your top 3 categories gives you the highest leverage for change.
- Look at the last 30 days of total spending
- Look at your categories (housing, food, lifestyle, debt, etc.)
- Add totals for each category
- Rank from highest to lowest
- Identify your top 3
- Your largest categories reflect your current lifestyle - not just your habits
- Big categories = where small percentage changes create massive impact
- You don’t need to optimize everything - just the biggest flows
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Day 10 - categorizing the top spending categories
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