Ever wonder where all your money is spent between paydays? Well, if you want to find out, just look to the tools available in your online bank account. You can download account data directly to your computer desktop. You can then comb through it on your own or access accounting software, like Quicken, to analyze your spending. Transactions might appear without categorization, requiring a bit of effort if you want to create a personal budget. However, if your bank issues you a debit card that allows electronic access, the charges can then be downloaded and categorized for you. Just make sure you double-check the figures because they're not always 100 percent accurate [source: CNN Money].