Simple trick that helped me finally track and tackle my debts

Yeah, those overnight transfers can be sneaky—I remember waking up to a mini heart attack once when my balance showed negative for a couple hours. Took me a while to trust the bank again, honestly. I tried the spreadsheet thing too, and even though I'm usually skeptical about overly detailed methods (they never stick with me), it genuinely helped ease my mind. Glad I'm not alone in this... banking quirks indeed.