Personal accounting software

Excel - Just analyse your bank statement into it. One column for amount and then 10 other columns for different classes of spending. Food, Petrol, Mobile etc etc.

You can then see where you are spending money and how much month on month.
 
I use Microsoft Money 2005 (Last localised release for the U.K.) and find it very good for my purposes, the key is to ensure you break down and categorise the spending and income in detail which means a slightly longer initial setup but is worth it in the long run so you can gain meaningful reports and plans from it.
 
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