I'm too scared to have one as I think it would send me over the edge. At 61, I'm working two, sometimes 3, jobs and still don't have enough income to cover my monthly expenditure whereas before I managed to scrape by. I work from home, seldom have visitors, don't drink or smoke and live in a small first floor flat. I really cannot cut back any further and dread the future. I'm surviving, not living, and see no way out. I know you don't have to have the box that tells you what you've spent plugged in, but the temptation would be there and I seriously think I'd simply give up.
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