From the author: When you begin to respect money, then money will begin to respect you. Accounting for (recording) every movement of your personal finances is one of the very first, basic steps , which is guaranteed to lead you to financial well-being. However, few people take this step - even those who have heard (read) more than once about this simple rule of handling money. There are many reasons for NOT doing it: elementary forgetfulness - people simply forget to write down (take into account) your expenses and income; the desire to “appear” rich - am I a beggar on the porch, collecting alms - small change? shyness - it is very difficult (ashamed, uncomfortable) for someone to count money in public or make notes about their expenses; banal laziness - which hides behind Lack of understanding of the importance of recording every movement of money. And another reason - “my eyes run wild, I don’t know what to choose” - this is how I interpret the question sent to me recently. Alexander, what personal finance accounting program would you recommend using, a simple and clear interface and good functionality, preferably with installation on any medium (computer, tablet or device)? Thank you! I’ll start my answer to this question with a reminder of the advantages of following this rule of financial literacy - “keeping records of your personal finances”: You begin to respect money (and not brush it aside); You get used to showing care and attention to financial issues on on an ongoing basis, without even thinking about it, at the level of automatic reflexes-habits; You clearly see and understand: where your money comes from (sources of income) and where it goes from you (main expense items: constant and spontaneous); You train your determination (thereby significantly accelerating your movement towards financial freedom); Are you proud of yourself (for taking another step towards your Dream) What else would you add to this list? Write below, in the comments to this article. It remains to decide the technical issue - how exactly to record the movement of financial flows? My answer is simple - in any convenient (usual) way for you. I recommend using the most common EXEL to start with: create a table with several columns; record - record large categories of expenses (food, education, clothing, utility and household expenses, transport, entertainment, etc.); enter formulas (for example, the amount of expenses per month) If you wish, on the Internet (or on your gadget) you will find a huge number of different application programs for keeping records of personal (family) finances. Choose any one, they are not much different from each other in functionality! It doesn’t matter HOW you do it, the IMPORTANT thing is that you do it on an ongoing basis. P.S. Keeping records of personal finances is everything just one step, out of 50 steps that will help you increase your level of well-being. ADDITIONALLY: 1) 6 MORE PAGES OF RECOMMENDATIONS FOR SPENDERS ON COMBATING THEIR WASTING HABIT READ HERE 2) For those who like to read, I made a selection of good books on home finance - this HERE