If you’re reading this article you’ve most likely experienced the sinking feeling of financial insufficiency at some point in your life, or you know someone who has. One of the most challenging parts of getting a grip on your finances is keeping track of where you’re actually spending all of your money. The recurring expenses are easy—rent, groceries, utilities—and are fairly easy to keep track of as you do your best to manage your money and the health of your financial goals.

You don’t have to...