The cash envelope method survives for a reason—it adds tactile friction to discretionary spending. I assign envelopes for each category: groceries, entertainment, unexpected expenses. When one is empty, I wait. For automation, I use recurring bank transfers and phone reminders. Spreadsheets for quarterly audits include every subscription and debt. The template is as simple as three columns: item, cost, still relevant? Anything marked 'no' gets cancelled or renegotiated. I keep a physical copy on my desk. Insurance reviews are calendared, not left to memory. These tools are not flashy, but they keep me honest. Most importantly, every step is designed to make inertia work for me, not against me.