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OK, it's almost the 4th Qtr of the year .. do you do any special reviews of your finances (or life in general), to get things in order before the year is over?
The Excel workbook with my checking account also does projections for the year, so I can compare expenditures in various major categories, with previous years. I recently separated "charity" and "politics", which I'd previously combined as a single "discretionary" category. Maybe because this year has both a presidential & senate campaign, my political contributions are up & charitable ones slightly down.
My cell phone expenditures are way down, because I switched from a Verizon plan to a T-Mobil pre-paid card fall 2011 .. but I still don't like the phone itself. I want one of those "Jitterbug" phones .. VERY simple (LOL)!