Excellent website. We have used a spread sheet to track expenses monthly for over 15 years. Every year we use the data to choose an area or two to deliberately reduce costs, . communications, insurance, groceries, transportation…and then tackle that area and gets expenditures down. It’s amazing what you can avoid if you spend a little time finding a better service provider, or get rid of a service you don’t need anymore. Your needs evolve, and the products and services options change so rapidly now it is important to revisit decisions regularly. It is also critical to know your financial needs to be able to plan your retirement. You can retire sooner and more comfortably if you know what you need – and what you don’t. It helped us reach freedom-fifty. Good luck!