It's not really about budgeting or tracking your expenses, rather it's about (1) making it easier to search for the exact amount and having the payment pop up (

It's not really about budgeting or tracking your expenses, rather it's about (1) making it easier to search for the exact amount and having the payment pop up (e.g. in one shot in your email inbox, in some cases) when others ask you if they paid, and (2) avoiding a misunderstanding where someone asks you if they reimbursed you for something a few weeks later and you say "no" because the amount you looked for didn't match what they actually paid you.