I went the digital route and just broke out a good old fashioned spreadsheet.
As this was my first playthrough on BNW ever (Heard about it from the SNESDrunk youtube video) and after reading the readme and printme I knew I was going to need to have a plan otherwise respeccing was gonna cost a pretty penny.
I still ended up spending 225k on respecs but thankfully that wasn't an insurmountable sum later in the game.