Categories should answer questions
Food can be one category until separating groceries and dining out would change your behavior. Detail is useful only when it improves a decision.
Start broad
A practical starter set covers home, food, transport, health, debt, savings, personal spending and a buffer.
Change categories as you learn
Merge categories that create busywork. Split a category when it hides an important pattern. The system should serve you, not remain frozen.
Practice
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