It’s the time of the month to pay the bills again. I reluctantly logged in to my ibanking account. As I was getting closer and closer to the payments page, my heart beat faster and faster. After clicking on the ‘submit’ button, the balance of your savings account will always be shown to you. My heart paused for a second. “Why did I spend so much money this month?” I will always be wondering. I have been using apps to keep track of my spending, taking note of whatever things I have bought, from paying cash for finger food to buying an 85 cents newspaper. Keeping track of these spending lasted not more than 3 months. It must be the app! The tracking is not detailed enough. I would search for more savings app, trying to see which one suits me most. So one day, while ......