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Best personal finance strategy to control my balance
The key to understanding where your money is going is to budget.  Rather than tracking your spending after the fact, budgeting lets you decide up front what you want to spend your money on.  This can be done with cash envelopes, on paper, or on Excel spreadsheets; however, in my opinion, the best, most flexible, and easiest way to do this is with budgeting software designed for this purpose. As I explained in another answer, when it comes to personal budgeting software, there are two different approaches: those in which you decide what to spend your money on before it is spent, and those that simply show you how your money was spent after it is gone.  I recommend the first approach.  Software designed to do this include YNAB, Mvelopes, and EveryDollar. My personal favorite is YNAB.  You'll find lots of help, video tutorials, and even online classes with a live teacher on YNAB's website.   Using one of these packages will help you manage spending, whether it is done electronically or with cash.  When you pay for something with a credit card, you enter your purchase into the software, and the software adjusts your budget as if the money is already spent, even if you haven't technically paid for the purchase yet. As far as strategy goes, here is what I recommend:  Get started on one of these, and set up your budget right away.  Assign a category to every dollar in your account.  Don't worry if it is not perfect.  If you find later on that you don't have enough money in one of your categories, you can move money from another category if you need to.  As you work with it, you'll get better at knowing how much money you need in each category. My other recommendation is this: Don't wait until the end of the month to download your transactions from the bank and fit everything into categories.  Instead, enter your spending transactions into the software manually, every day, as you spend.  This will do two things: first, you'll have the latest, up-to-date picture of where your accounts are in your software without having to guess.  Second, it will help you stay on top of your spending.  You'll be able to see early on if you are overspending in a particular category.  YNAB has a mobile app that I use quite a bit, but if I don't get a chance to enter a purchase right when I spend it, I make sure to keep a receipt, and enter the transaction in that evening.  It only takes a couple of minutes a day, and I always know how I stand financially.