Hi H, You asked for some money advice. Let's be clear I am no financial advisor. I am barely financially literate. It's true however that I put my beloved R to sleep at night regaling her with my financial equivalent of a shortsighted Don Quixote attacking windmills. I do include management of my wages in my life plans and that is probably a step ahead some people. Everyone has different ideas of what to do with their money, their life and their time. All of which are deeply entwined. I would not recommend my crazy brains illogical and downright stupid ideas to anybody else. I guess what I am saying is don't trust my nutty plans, work out your own crazy plans.

Making Plans

What you have been doing is great, assembling all your ingoing money and outgoing money; your assets and liabilities. Just make it a habit, keep doing it. Personally I do something similar. I have a folder on my computer called 'Tax' inside that folder I have folders for each tax year e.g. '2016-7', '2017-8', 2018-9'. In each of these folders I have a few spreadsheets in which I work out my ins and outs and my assets and liabilities. I update them (irregularly) every 3-6 months. I also save any documents/reciepts that I might need come tax time. This all sounds slightly organised but it's not really. I also have lots of tax related stuff sitting in my email and on websites (my broker, superannuation, nsw health, banks etc). Most of us are doing similar versions of this to lesser or greater degrees, just don't stop doing it. You will work out your own system for organising all that information, probably better than my rag tag system. You will also begin to see where your own financial strengths and weaknesses are. Then you will be in a position to improve things.

What you Want is not always what you Need!

If you duckduckgo 'personal balance sheet' there is a ton of useful information like the ?Saudi Budget 101: How to Create a Personal Balance Sheet or this thread on reddit and a bazillion others. I think just understanding what in your life are ins and outs and what are your assets and liabilities is a major step. Then when you look at your bank/credit card/mortgage/super statements you can decide what is a 'need' and what is a 'want'. Nerd wallet | The Difference Between Wants and Needs | (Personal Finance: back to basics)(https://www.allbusiness.com/needs-and-wants-personal-finance-back-to-basics-4967597-1.html)

FYI Mihamon => Mammon