I've been tracking every dollar I spend for 8 months now. Here's what I learned that nobody tells you in school:

1. "Small purchases don't count" thinking

That $4 coffee? Fine. That $4 coffee every day for a semester? That's $480. Most students never add it up because each purchase feels harmless. The fix: log every transaction with a note. When you see "coffee" 90 times in your history, the pattern clicks.

2. Not knowing the difference between accounts

Your checking, savings, Venmo, Cash App, dining dollars — money lives in 5+ places but most people only check one. You need a single view of ALL accounts to actually know your balance.

3. Ignoring currency costs

If you're studying abroad or buying anything international, you're probably losing 2-5% on conversion fees and don't even know it. Track in multiple currencies and you'll catch it immediately.

I built SpendyTracker to fix exactly these problems. It's a simple expense tracker designed for students — multi-currency, multi-account, notes on everything.

If you're tired of guessing where your money went, come check it out.