This isn't an education entry but budgeting & managing expenses is something everyone should do! I've been budgeting since I got out of college to track my spending.  I used an Excel spreadsheet that got more and more refined over the years.  It was based on the envelope system, where my expenses were broken up into categories and each category (envelope) got a specific percentage of my income each month.  My categories were save, give, bills, groceries, gas, eat out, and debt.  I decided to look for an app to manage my budget when I got to the point where whenever…