Yep, downsizing is on my list for the new year. I have so much paper, it's an embarrassment. However, I have 2 ways of looking at my budget: I use Mint to track my expenses (I did create a budget there but really use my spreadsheet more ) because I can link accounts, flag select items for taxes, and see a calendar of bills for the month (I also list my bills in Google Calendar); I use an Excel spreadsheet with lots of categories to track everything I buy, pay, or owe. How else was I to find out that I was quite the overspender for eating out, snacks, too many grocery shops, etc. When you see what you spend all laid out, it is eye opening. I list items religiously, rarely letting one day go by without entering receipts. Now that I've found out about Fetch on the PennyHoarder, I also input my receipts there to make a little change, and then go over to my spreadsheet and list them there as well. It sounds like a lot of work, but really isn't; it's automatic to me now and just takes minutes. Now, the biggie, I also have a spreadsheet for my debts, and that is what I will use to get out of debt in this new year. I love this forum!