We don't know where our money disappears to every month. How do we track household spending?

You cannot control what you do not measure, so start by recording every expense for one month. Note everything, from groceries to small spending at stalls, in a notebook or a simple app. At the end of the month, group it by category and see where the money actually goes; it is often surprising. Identify one or two of the biggest leaks and fix them first, not everything at once. Involve your spouse so you both see the real picture. Once the pattern is understood, a realistic budget can be drawn up. See family finances.