Having read the posts here about budgeting etc., I found a program called Moneydance ( a bit like Microsoft Money) which you can use on your PC. This can then be Sync-ed to your Android Phone via Dropbox & Handybank. You can keep track of expenses and income on your phone as you go and sync them over to your computer to see them on Moneydance.
google
moneydance
mennesoft and handybank
moneydance
mennesoft and handybank