As the media love to remind us, things are tough at the moment, and I’m sure I’m not the only one who gets to the end of the month and wonders where my dosh has disappeared to!
So to work it all out, I use the Note Couture Expenses Tracker. It’s good for 6 months with weekly and monthly pages on which to write up expenses, and a front cover – all of which are personalisable, it’s spiral bound along the left side (ie: the shortest side) and has a white PVC front cover (same as the spiral bound notebooks, but without the logo).

The Gorgeous Ladies Expense Tracker
There’s space to note whether your expenditure has been paid in cash or by credit card (saves a nasty surprise from the credit card company at the end of the month) and columns at the end of each week/month so you can work out if you’re over or under your budget.
It’s a good idea to use it for, say, three months until you get your head around what’s happening to your money, and then what I tend to do, is use it for a few weeks every couple of months - a terrific reminder as to where all the ‘spare coins’ go. And yes, I can confirm that I do spend (gulp) $31.50 on take out caffe lattes each week – it’s scary isn’t it – that’s just a week’s worth of large lattes. Hmmm – thank goodness I don’t have any other vices!

Women's Expense Tracker - Monthly Page
The Expense Tracker is available in Carrie, Gorgeous Ladies, Womens, and Characters designs. The easiest way to find it online is to use the Search page – tick the box next to ‘Expenses Tracker’ in the format list on the right side of the page and the four versions will be shown.
Plus they will all give you a bit of a giggle with the illustrations and quotes I have used:
Carrie Front Cover: Carrie loves to shop, “I spent how much??!!”, Weekly page: Carrie loves shoes “Saving the economy one shoe sale at a time”, Monthly page: ‘Charge it’ “I didn’t actually overspend my budget – the allocation simply fell short of my expenditure”.
Gorgeous Ladies Front Cover: “I’m living so far beyond my income that we may almost be said to be living apart”. Weekly page: “I go over my budget very carefully each month” “I just go over mine!!”, Monthly page: I’ve got all the money I’ll ever need as long as I die by 4 o’clock”
Women’s Front Cover: ”Anyone who ever said money can’t buy happiness, didn’t know where to shop”. Weekly page: “Anyone who lives within their budget, lacks imagination”, Monthly page: “My problem lies with reconciling my gross habits with my net income.”

'Characters' Expense Tracker - Front and Weekly Pages
The Expense Tracker is reasonably priced at $40 – now’s there’s an expenditure you can justify!