Managing your private finances with a business grade double entry bookkeeping software sounds like a bit of overkill to you? Maybe you should give it a try and see if you can make bookkeeping a habit and get overview and insights into your spending...
Why should you start working on your goals in secret? Imagine you decided to lose 40 pounds. Would you tell your friends? Will you tell them how motivated you are to go on a diet and start exercising from now on? Think twice before you do.