A New Year has started and one of my own personal resolution is to do a better job of tracking finances. I know that many people, like me, have started and stopped many times, usually because of not recording entries. With the cell phone handy, it is possible to record entries immediately as they occur. So here's my cell phone incorporated system and process:

• Online banking and bill pay. That leaves the dreaded cash transactions and that's where a cell phone comes in handy.
• Keep track of receipts and cash transactions by taking camera phone pictures of receipts as described in this post.
• Use a program to track your finances that has a mobile component. I use ClearCheckbook.com because although banking transactions can be downloaded and imported with no problems, it goes even further by allowing updates of your account from a cellphone by text messaging or by AIM, ICQ, MSN, Yahoo!, and Google Talk Messenger services.
• Another option is to set up an Xpenser.com to record expenses. Then call in those expenses to Xpenser, by using the Jott.com phone number (here's how):

  Sign up with Jott.com. To record your expenses, call the Jott number (1-866-JOTT-123), say "Xpenser", and then say your expense - for example, "taxi 43 dollars office to airport." In a few minutes your expense will make its way to Xpenser and be recorded.

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