You can use a paper notebook or even blank printer paper to create a journal. Divide your tracker into these sections: Income, Fixed expenses, Savings goals, Optional spending (wants, culture, and unexpected), and Monthly Review. Most likely, you will use a couple of pages per month to list each expense. If you prefer a Kakeibo template, you can purchase an annual planner from Amazon. It's also possible to download a printable template from Credit.com.