I came to know about this by accident. I was cooking something, DH was showing the kids (then both teenagers with new ATM cards) the online credit card statement and the where-spent & percentages it obligingly provides. DS asked me for afar, 'amma did you know in the last 12 months we spent ... on eating out or take out?" The silence from me due to my shock was audible over the cooking range exhaust fan. : ) For at least 6 months, I was very mindful when eating out. Not as in reduced it, but, just mindful of the cost. I swear it took most of the joy out of eating out. The shock did work though slowly. Over 1.5-2 yrs, the eating out has reduced to mostly for celebrations. The coffee that I have outside is close to holy. : ) Jokes aside, looking at the credit card statements (and PayPal) often is enough to give me an idea of where I spend more and can bring it down. Sometimes, I also glance at the 'past orders' in Amazon.