Talk around the water cooler introduced Sarah Prince, of Toronto, as shown in this handout image, to her first budgeting app. A decade later, Prince says she still sees value in such apps even after her favourite budgeting tool went offline earlier this year. THE CANADIAN PRESS/HO-Sarah Prince **MANDATORY CREDIT ** For her, it wasn't just about tracking her monthly expenses, it was also seeing how her spending patterns changed over the years.
Banks have also started offering budgeting tools which track spending and flag any suspicious transactions — such as new vendors or payments. "If people are having difficulties making ends meet," she said, "signing up for a monthly subscription may not be the best thing." She said paper-based tracking and spreadsheets are both easily customizable to an individual situation but that could be hard for apps to do so. Apps might not be the best way to track expenses and income for freelancers and those with inconsistent incomes, Morgan added.
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