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I believe in the saying “A penny saved is a penny earned”. That’s because it has worked well for me in the past. Way back in 2010 I was making a decent amount money, but at the end of every month I’ll end up wondering where it all went. I don’t usually splurge on clothes, electronics and I‘m not someone who buys stuff on an impulse.

Yet, there was a big gaping hole in my bank account by the last week of every month. Frustrated, I decided to keep track of all my spending and see what eats into my earnings. Thankfully, I bought an iPhone 3GS at that time and the awesome Moneybook app helped me track every penny and reign in my spending.

It’s my opinion that a mobile app is the best way to keep track of your expenses rather than a desktop or web app. You always have the mobile phone with you and there is very little chance that you forget to add an expense while on the go. However, using a desktop app can have its own merits besides offering a bigger screen real estate.

Direct connection to banks, better organization, advanced reports are some things worth mentioning. That’s exactly what Koku 2 promises to deliver. Let us see if it outweighs the experience of using of my trusted companion Moneybook!

In many ways it’s the holy grail of Mac apps. Apple has instilled an appreciation for the beautiful, the polished, and the carefully designed. And if there’s one part of our lives that screams out for an experience like that it’s money management.

I mean it makes sense, right? Computers are good with numbers, and people usually aren’t. Computers can be used to identify patterns and formulate projections, and people like to see patterns and projections. And on the Mac platform we should be able to get all of that lovely functionality wrapped up in an aesthetically pleasing package, right?

Well there’s a new contender that’s entered the fray: Koku. Making the rounds, Koku has attracted the attention of the Mac community. We’re all dying to know if someone new can build the type of financial monitoring app that we’ve all been looking for.

And so here we are. Let’s take a look at the areas that Koku excels in, and the spots where they need to do some work.