The Google Spreadsheet method you are using is actually really solid and the fact that you also track your Steemit earnings separately is something I never thought to do before. Working in courier service must make transport expenses really unpredictable some weeks, I can imagine how the field sourcing trips alone must mess with your budget sometimes. That "Income minus Savings equals Expenses" formula you mentioned is the part that hit me most because its the complete opposite of how most peoples was taught to think about money. Really detailed entry, well done!