Sometimes, simple is best.
Here’s a simple Open Office spreadsheet to help visualize what your “Daily Nut” is when it comes to expenses and income. It makes it easy to visualize how much that daily coffee and doughnut cost you over the course of a year, or shows you how much more discretionary spending you can engage in before causing yourself serious trouble. Then again, if you have discretionary spending money, I’d advise putting half into savings or investments, and giving the other half to charity. But that’s just me.
Get the spreadsheet over on GitHub: