“…Spreadsheets were another common tools mostly for tracking transactions (Kaye et al, 2014;Vyas et al, 2016), rather than budgeting purposes. Despite the growing HCI interest in personal finances, we have seen limited theoretical underpinning of such work, especially from the lens of mental accounting theory, although the value of behavioural economics has been previously suggested (Stockinger et al, 2013) for healthy choices (Lee, Kiesler and Forlizzi, 2011), digital wellbeing (Park, Lee and Park, 2021) or retirement savings (Gunaratne and Nov, 2015).…”