I think the people that are probably use flow meters that are specifically designed for monitoring. Generally they are exactly like the normal flow meter, but with the addition of a reed switch and magnet. Then you can hook up a counter to count the number of revolutions that the meter is experiencing. I've seen someone else on this forum that uses the same basic counting principal, but their meter flashes a small LED once for every x amount used. So they are using a light sensor to count the LED flashes.
But both ideas rely on the ability of the meter itself to provide some method of counting. If your meter doesn't have that ability, you would have to replace it or add another meter inline with the original meter. That might be easier since you would not be messing with the water or gas companies meters, but just adding another meter downline.