The strange impression of "I earn... but I see nothing pass"
Many people experience this. You work, your salary falls, and at the end of the month you wonder where it all went.
You don't spend "enormously", and yet your account goes down faster than expected.
It is normal: no one teaches us to see our expenses as a whole. We live day by day.
Understanding where your money goes is not doing complicated calculations. It is just putting a little order back in a room where everything has been thrown haphazardly for years.
Why it is so blurry in reality
It is not a lack of discipline.
Often, it is a mixture of:
- micro-expenses that we forget immediately
- automatic payments (subscriptions, charges) that we no longer see
- variable expenses (groceries, outings) impossible to estimate in your head
- no clear framework to visualize the big masses
Without structure, the brain retains... nothing.
It cannot.
What you can do today, easily
No need for a revolution. A few simple gestures are enough to see clearly:
Look at your month as a whole, not expense by expense
What matters is not your Carrefour receipt from yesterday.
It is:
How much do you put into housing, groceries, outings, transport... on average?
Create 3 large categories (simple and powerful)
Even if you want to go further later, start there:
- Essential (rent, bills, groceries, transport)
- Variable / pleasure (outings, restaurants, purchases...)
- Savings / projects (even small)
That is enough for 80% of clarity.
Focus on the 2–3 items that move the most
Often:
groceries, outings, impulsive purchases.
The rest almost never changes.
How Boney can help you (if you want a light framework)
If you want a simple system to accompany you:
- you create a few budgets (groceries, outings, transport...)
- you add your expenses as you go
- you see very quickly the trends of the month
- it puts order without adding work
And you finally understand where your money goes without making yourself sick.
In short
It is not your salary that disappears.
It is just that no clear framework is set.
Once you put the pieces in the right place, everything becomes understandable, and much less stressful.