Okay, so back on topic. A second option for keeping track of your expenses on a daily basis is to use an app. Now there are hundreds of different apps out there that you can use to track your expenses. If I was going to pick any to give recognition to, I would recommend wine app, or mint. But in reality, most of these apps do the exact same thing. They allow you to create categories to fit your exact needs, and allocate your income to the exact dollar.

If you need to move any amount across accounts in the same month, and allows you to do it with a click of the mouse or with a swipe of your finger. If you'd like the freedom to walk out of your house carrying only your keys, wallet and phone, this option is best for you. No need to look for a pen, you can simply open the app and record your transaction right at the cash register. It's the ideal option for convenience. But I must point out, in some ways these apps are too convenient. 95% of those applications allow you to sync your accounts, bank accounts, credit cards, loans, etc.

All easily imported directly to the app from your provider. This in itself dismisses the urgency. It's done for you. What's the point of taking the minute to do it? I want to say again, the most important part of budgeting is tracking your expenses. So when you allow an app to input all of this for you, you lose that daily contact, and slowly you lose control of your budget altogether.

So before you use this option, Think long and hard.