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This article is general educational information for a Canadian audience. It is not individualized financial, legal, credit or tax advice.

A system is useful only when you can return to it. If your tracker demands perfect categories, daily attention and several formulas, the friction may be hiding the actual decisions.

Keep the information that changes what you do: what is due, what is available and what deserves attention next. Archive the rest instead of maintaining it forever.

The simplest workable version often survives long enough to teach you something. You can add detail later only when a real question requires it.