Costguard helps me track my spending and helps me prepare a detailed monthly report so I can send it out to my vendors. I wish that I could break down my budget by time period so I can see exactly how much I spend on certain items. I also wish that I could set up a budget for my monthly food bill. I do not use the costguard software for my business, but I love using it for my personal finances. It allows me to keep track of my spending, set up budgets and prepare detailed reports so I can send them to my creditors.