How to track?

how do you guys track expenses? I need to simply know how much I spent since my salary last credited. Where was it spent ..etc I just read the bank statement of my salary acc at the end of the month. This feels like manual effort. I wish my bank provided a better approach so that we can track these on the fly. But afaik none of the large banks in India have a built in feature in their app to do this.

Preferably free. Drop in your suggestions!

Please recommend iOS app for tracking daily expenses.

Which subscriptions are worth subscribing to? Can be of any category Food, Grocery, Shopping, Music, newsletter, Books, fitness, etc. I'll start: * Zomato gold(I save 15k+ per year) * Amazon Prime

This should include everything from home bills, entertainment, medical expenses, trips etc. When I was single (back in 2016), my expenses were around 20k per month. Now I easily go above 1L every month (without rent, we live in our own house). My wife also works and she has her expenses too. Not sure what’s the reason for it though. We live frugally and don’t spend lavishly (atleast I don’t think we do). I barely buy anything for myself (I use 1k earphones and buy clothes from decathalon). My wife is the same. Is this common when you get married? That your expenses permanently increase? Or is there something I should be worried about? TIA

It's been close to a year since I am earning a salary and this is what I do: 1. Invest a little less than 30% straight into MFs. I have three ongoing SIPs- small cap, flexicap and a Large + Midcap fund. (Planning to increase the amount further into these and not start a new sip) 2. Max out 80C by putting the entire limit in PPF, this is on top of what is by default deposited into EPF. 3. A little (inconsistently) into direct stocks as and when I find or get to know about a decent trade opportunity. 4. An LIC ULIP plan that my father made me subscribe to 🙂 (hopefully will end in a couple more years) Tips from experienced folks will be much appreciated.😄