It's so easy, it just may be too easy!  Just:

• Download and save it to your computer - completely safe to do!
• Open it up and see if you want to personalize some categories.
• Pick the current month tab at the bottom of the spreadsheet.
• Each day, type in the amount you spent in the day of the month (1-31) you spent it.
• Hit enter on each entry; it will add and subtract, percentage and YTD it for you!

Stop wasting money and start putting it in your pocket!  Use this info for a more accurate retirement plan - No more guessing!