The way I do it is I keep receipts for everything. I keep a spreadsheet of how much I spent, and I also keep track of how much I earned. So in the end, I subtract my spendings from my income, and this way I also know how much money I have at the current moment even if the transaction has not cleared. At the end of each statement, I verify that the amount spent and amount available to me is the same between my calculations and the bank. If something is not right, I view the banks transactions and what I have logged.
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