A friend recommends Mint. It’s an app you can tie to all your accounts to track your finances. Money coming in, money going out, savings, blah blah blah. He says he has been using it for about a year and it took him that long to really get in the habit of using it everyday and not feeling guilty or bad about it.
I download it and link it to all my accounts immediately. It’s super easy to set up and only takes seconds before it lists your cash, credit debt, budgets, cash flow, investments, and advice. Suckers be using Quicken, yo! I can quick add cash payments so everything I spend gets documented. Best of all, it was FREE! Sweet, sweet responsibility.