Stop overdrafting without a budget.

I used to spend without looking at my bank account. About 15 bucks of gum, an energy drink and lunch once turned into $100 and something in fees. Paying attention to my account is the habit that changed that.

Here I share what I do and what I try, with the real numbers. No budgets, no apps, no "you should."

Honest note: I'm not a financial advisor, and I'm still not great with money. I'm just better than I was.