today is digital era, we have computer and smartphone.
for me the best way to manage our money is using our smartphone/computer, to write any transaction, invest, saving, buying a needs, having fun etc.
so we will know our saving, our investing etc. and we can manage "the best proportion of our needs"
Yeah this is good idea. but back to personal itself, people bring their smartphone, using it everday, but mostly.. open facebook, instagram, ect.
Actually if you a developer it can be an opportunity, build a project which can manage money easy using 1 apps.