https://wwws.mint.com/
is a wonderful resource and FREE. If you already have electronic accounts, it's
super simple to pull in your data into their system and categorize your
purchases. This will give you a start to knowing what you've been spending on
what and then can begin creating a draft budget. After you've figured out where
your monetary leaks are in specific categories, you can make challenges for yourself to plug
those leaks.
Mint lets you track categories and emails you when you've
reached the limits that you've set. It also lets you create goals and track
your savings goal progress. Having an eye on your money can be very difficult
and intimidating but with technology at your fingertips you can make it much
simpler and less stressful!
Celebrate a spending moratorium: challenge yourself to not
spend for a weekend, a week or A MONTH! You write the rules.
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