I have a friend whom I consider an outlier in that she started early tracking what she spend her money on. She has an excel workbook where she inputs her daily or monthly spending to a rather granular detail. This is hard to do, unless you are a data nutcase like me. Ask 10 person and likely 8 of them will tell you,  They can spend their time doing something much better. The problem for her is that, despite this, she share that she have a problem controlling her spending. The problem here is that, while tracking where you are spending your money is good, that is just Data Collection. Fancy apps do not magically make your financial situations better. Apps are the enabling devices, or the support tools. What is equally important is that, you need to review and reflect upon your data, there after create some processes, systems ......