I’ll never forget a talk Joe and I gave to an audience of several hundred people. In the Q&A a young woman timidly asked, “But how do you track your expenses?” Joe looked at her in disbelief. “You take out your little book (he always had one – in his plastic pocket protecter lined breast pocket – along with a pen). And you write it down. Is that so hard?” She withered. I rescued her with a few words of compassion.
A card in the wallet or a little blank book still work fine for tracking. I’ve switched to using a debit card for all purchases and let Visa track for me and my Quicken Program download and categorize for me so my task is simply a monthly review. In recent years, though, I’ve noticed more and more online tools for tracking. Intrigued as I am by new tools I checked out one several years ago called Money Pants. Nice but it was budget based, not awareness based, and was missing the vital Step 4 evaluation. Now there is a slew of new tools. I leave it to you to see if they serve you as you apply the 9-step program. Here’s a Christian Science Monitor article that names them. If you like any or use any, please leave a comment here so others can benefit. Or if you have developed your own system that works like a charm, let us know.