The first priority is preservation of capital – George Soros. That is not a very easy thing to do. Especially if you do not know where you spend your money. I “loose” money 
As i have noticed using simple WEB 2 application called Walletproof. It helps me to track my expenses and incomes. Very useful feature is reccuring expenses and reccuring income. It easy to add such income as monthly salary, or monthly expense for the sports club. Although this app is only at Beta stage, it has what i need.
