The beauty of this Expense Tracker spreadsheet is that it also includes a simple вЂњBudget SnapshotвЂќ worksheet. Rich, poor, middle-class, no matter where you are financially, a budget can most likely improve your financial situation.вЂќ вЂњBudgets are extremely important, and I believe that nearly everyone should have one. Michelle Schroeder-Gardner, the owner of the award-winning financial advice blog Making Sense of Cents agrees. Most financial experts list вЂњbudgetingвЂќ 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 weвЂ™re not careful, we can lose track of вЂњwhere all the money goes.вЂќ 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 youвЂ™re most likely to buy.

After all, your credit card is probably already saved to the phoneвЂ™s memory. Run a search and the first few hits are paid ads, and making a purchase is probably two touches away. 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 phoneвЂ¦ thatвЂ™s always with you).

Free business expense tracker