Spending is easy and sometimes even delightful but recording expenses can be tedious and boring. Can you relate?This Practical Financial Planner Workbook helps recording and managing money effortlessly by using only a cell phone and internet access. It shows how to use a FREE money management application on cell phone, both iOS and Android, to record financial numbers right away. As a result, instantaneously you can know and answer your financial numbers and situations anytime. Once and for all, you set up the system and regularly update numbers and then you're done.We try to keep the work on the paper to the minimum. In this Personal Finance Workbook, there are only: (1) Cashflow paper - Income statement and balance sheet on only one paper, (2) Graphs - to record selected important numbers in (1) to be inspired. You get inspired after seeing squarely the graphs and patterns of your in/out money flow. You then are aware and probably need to change. Consequently, it is to increase income and at the same time reduce expenses. And(3) Bill recording - so you don't miss the due date and it reminds you to record the payment in app as well.What's inside: Concepts: Work hard and Spend less Easy 6 Jars money management system How to use 6 Jars in your cell phone - bookkeeping and budgeting as well as tracking your spending. You can see daily, weekly, monthly and yearly income and expenses just by clicking away. Graphs, both 12-month and 53-week Bill tracker or Bill organizer, 12-month Cashflow or Financial Statement sheets, for 13 months Note: It's practical. It's grey scale. It has 80 pages.