What usually happens:

Step 1: Download an expense tracking app
Step 2: Key in the cost of your lunch, dinner and supper for the next 3 days.
Step 3: Give up after the 4th day. Continue spending money you don’t know if you have. *sigh*

The act of tracking your expenses does indeed take some diligence – we’re aware. On the contrary, opening a social app like Instagram every few hours takes little convincing, but to log in your spendings through the days and weeks require a bit more than that of social apps.

At times, you get that spurt of enthusiasm like “Yes, today is finally the day I get my finances in check!” or “Start now, better late than never!” but then the enthusiasm dies down after a while and the app sits as wasted space in your phone.