Personal finance software programs enable you to track all your expenditures in one place so you can see your biggest expenses and spot areas where you can improve your behaviour.
Many leading personal finance software companies link your current, savings, and credit card accounts to provide a comprehensive picture of your financial life. They also let you to set budgets for different spending categories and create goals you can monitor each month.
Perhaps most usefully, they offer smartphone apps so you can check your progress wherever you are. A quick glance at your budget might stay your hand when contemplating airline tickets for an impromptu (and ill-considered) weekend in Amsterdam.