Long story short, it is time to start saving some pennies and get on top of my spending. I honestly have no idea how much I spend on what each month.
Lloyds offer a "Money Manager" tool with online banking to categorize spending which appears useful, at least to see where the expenditures are. I was just wondering if there are any other tools/ software/ resources that are useful for keeping track of spending and saving more effectively? I am not obsessive enough to enter every transaction in to a spread sheet each day though
I suspect the Lloyds tool will at least help but was just curious as to the other options out there.