Sunset
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
When I retire I'll have time to track all the categories.
These days I don't have the time, working for MegaCorp and commuting .
I suggest to you , that precisely because you are working and thinking of retirement,. that now is the time to track spending.
It will be incredibly comforting for you to know precisely over the past X years how much you spend, so as to be able to know for sure when you can retire successfully.
I also found it a pain, until I used the phone app, as I always have the phone with me, and it literally takes 5 seconds to enter the number for a purchase.
Using a phone app is easy and quick.