A final benefit—one that’s especially helpful during periods of financial uncertainty such as 2022: Any information that can provide a greater understanding of our finances, and thus give us a greater sense of control, can be invaluable. Unlike all of the things outside our control—including the stock market, inflation and geopolitical worries—our own spending is a lever that’s well within our control. Even if we don’t make any changes to our spending, there’s a sleep-at-night benefit to simply having this information.