*APR = Annual Percentage Rate. For Example: 120 Payments of 12.17 per $1000 borrowed. Your loan rate will be determined by several factors, including your credit score, loan amount, loan term and/or loan to value. Rates are subject to change at any time.
Why should you bother tracking your spending? A monthly budget is just a plan - your actual spending behavior may differ completely. By not tracking your spending, you're essentially flying blind. You won't know where you got off track or how to fix it.