Flickr / Mirko Tobias SchäferWhen a coworker mentioned that she wanted to start tracking her expenses more carefully, I was happy to share the budget template I created a few years back — we get pretty crazy here at Business Insider. Cut to 24 hours later, as she was entering expenses into the 60 or so designated categories in Google Sheets and bemoaning the fact that she had already spent more than planned this month, thanks to an annual renter's insurance payment. "There's always something," I commiserated, and went back to work. Then I realized: There is always something.