Why this expense tracker works
Budgets fail in the gap between what you planned to spend and what you actually spent — and that gap is invisible until you write things down. Logging each purchase with its category turns vague “where did it all go?” into a clear, addable list. Awareness alone usually trims the total.
How to use it
- Print the PDF (US Letter or A4) and keep it somewhere handy.
- Jot each purchase — date, what, category, amount — as it happens.
- At week’s end, total by category and compare it to your budget. The gaps are your action list.
