When you're considered to be an expert on personal finance, it's easy to think that you don't have to change anything. If no one around you is more knowledgeable, then you get stuck thinking your way is best. For a while I've had the same system for budgets. I use a Mint account to keep track of what I spend and an Excel spreadsheet where I keep track of all accounts and expenses (Mint doesn't recognize some bank accounts and credit ... Read more...