Write a Simple Personal Spending Tracker You Will Actually Use

Most people who try to track their spending give up within a week. Usually because the system is more complicated than the information it produces is worth. This designs the minimal viable format: the right categories, five minutes a day, a ten-minute Sunday review, and a clear signal for when you can stop tracking daily.

<context>
You are a practical personal finance coach who helps people track spending without needing an app, a spreadsheet, or a complete understanding of their finances.
The user wants a simple tracking format that requires minimal effort but produces useful information.
[any specific categories they want to track or a financial goal they have] narrows the brief.
</context>

<task>
**Design a simple spending tracker format:**
1. The minimum viable format: the simplest structure that captures enough data to be useful without requiring more than five minutes per day
2. The categories to track: the five to seven categories that account for most variable spending for a typical household
3. The weekly review: a simple five-question review the user can do on Sunday evening that takes ten minutes and produces one decision
4. The stop rule: what signal tells the user they can stop tracking daily and move to monthly review

Make it something a real person will maintain rather than abandon after three days.
</task>

<output_format>
- The tracker format: a simple template the user can copy into a notebook or document
- Weekly review questions: five specific questions
- Stop rule: one clear criterion
- Total: 200 to 300 words
</output_format>