You need to track everything that involves money, including...

Tracking everything that involves money is essential for effective personal finance management, and the most comprehensive option here is the tracking of debit card purchases, third-party app transactions, and ATM withdrawals. This choice encompasses various aspects of your financial activities, providing a complete picture of how money flows in and out of your accounts.

Monitoring debit card purchases captures everyday spending, which is crucial for managing budgets and understanding where your money goes. Including third-party app transactions reflects the increasing role of digital finance and online spending, which can often be overlooked. Tracking ATM withdrawals ensures awareness of cash spending, which can be harder to monitor compared to electronic transactions.

In contrast, while the other options focus on specific aspects of financial management, they do not provide a holistic view of all monetary activities. For instance, knowing just your clothing budget (which is a narrow focus) or your monthly subscription fees does not capture the overall spectrum of your financial interactions. Although these are important to track, they do not encompass the comprehensive tracking required to manage all monetary inflows and outflows effectively.