Michelle Schroeder-Gardner, the owner of the award-winning financial advice blog Making Sense of Cents agrees. Most financial experts list “budgeting” as a critical element for financial stability. This free, downloadable Expense Tracker spreadsheet can help you track your expenses and, if needed, give yourself a personal finance makeover. If we’re not careful, we can lose track of “where all the money goes.” I appreciate the no-waiting, gas-saving convenience. An with these apps, making a purchase is one click away. With them, you browse an online store that uses big-data and state-of-the-art algorithms to focus what you see on what you’re most likely to buy. After all, your credit card is probably already saved to the phone’s memory. Run a search and the first few hits are paid ads, and making a purchase is probably two touches away. Monthly or Weekly Tracking: View total costs and expenditures by week, month, or year.Do you find yourself wondering where all the money goes? In the world today, spending money is as easy as opening your browser (yes, the one on your phone… that’s always with you).Total: View total expenditures by month, week, or year.Authorized By: Enter the name of the authorizing employee for any expenses incurred.Purpose of Expense: Beyond categorizing expenses, it can also be helpful to track the purpose of each expenditure.Expense Category: Organize your costs into typical categories, such as rent, taxes, utilities, legal, marketing, payroll, and inventory.
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