"Where does my money go every month?"

This is a question most Americans are asking themselves these days. For the first time in quite awhile, the economic climate is forcing many of us to really start living within our means. The days of easy home equity loans and refinancing one's home to pay the bills are over.

Experts argue whether or not we are in an actual recession, but when you speak with people you hear all about gas prices going toward $5 per gallon (and maybe higher), food prices going "through the roof," healthcare and other costs skyrocketing, and the lack of security in the job market.

If you're like most people, money always seems to be tight. Between skyrocketing costs and never-ending bills, by the end of the month your bank account is empty and you have no idea where it all went. The good news is, we can change that!

What if we could find a proven system that is simple, quick and mobile, and offers guaranteed results?

We hear over and over again about people going to seminars to hear the big financial experts and motivational speakers... leaving very excited and motivated, with a lot of CD's and books (that quickly become lost or forgotten) but without a SYSTEM that allows them to do all the things that the speakers are telling them to do.

The #1 recommendation all Financial Experts have is: track your spending. If you don't know where your money is being spent, how can you ever manage or control it?

The problem with most expense tracking systems is that by the time a user sit down to become a data entry clerk at the end of the month... he or she has already overspent! Same with credit cards: by the time you receive the statement, you have already spent more than you wanted to and it is too late to do anything about it.

The key to getting a handle on your expenses is having...