Everything is just black and white…

Unfortunately not.

My records over 4 years are heavily mixed with predominantly card payments.

Perhaps the continuous use of card payments has an influence?

I get your point and that maybe there is a bias.

But in years of tracking my spendings (mostly with my smartphone) I have pretty constant spendings for my day to day live (rise of cost of living etc. in mind).

I would describe me not as rich -not even close.

Tracking budgets for example food / clothes per month helps me staying in a certain range.

I keep track of what I spent.

Doesnt matter if Cash or card.