"I've always wondered why every time we get a bonus check or tax return it disappears immediately ... because we haven't been planning for ALL the money we spend." Do you find yourself using funds like income tax returns to pay for large or additional expenses each year or do you plan...

Tracking is definitely important because it gives you a better idea of what will happen in the future - it sort of a "history repeats" itself thing. The trick is having a way to use this information so you can easily understand what the cash in you checking account is for before you spend it...