I use this app called Toshl to track my spending. It's good because living in Phnom Penh I'm regularly spending in three different currencies, so I plug in the amount as I spend it, in the currency I spent it in, and the app generates a running total in NZD for me so I understand how much I actually spent that day. It's been really helpful setting a barometer for how much I need to earn freelancing to cover expenses ($30USD a day). At first I was really apprehensive about whether I could survive here just freelancing, but because I tracked my data I was able to work out that I only need to secure the equivalent of an hour's work a day to cover costs and the rest can be savings. My bank app (bank of NZ) is also really handy for making various savings accounts on the fly which is perfect for goal-setting. Does your bank offer something similar?