This is a very difficult question to answer and there is no one solution. I can only tell you what is helping me. The main thing that I do is keep track of everything that I spend money on by the use of an app on my phone. So anytime I spend money on something I immediately input that into the app. At the end of the month I export that data to a computer and make a spreadsheet that has my total amount spent for the month and then I input what I made that month. I figure out the difference between the two and see if I made money that month or lost money. The little app has a pie chart that displays how much I have spent on each category. I don’t actually have a budget and that works for me because just the sight of the pie chart gives me an idea of if I need to stop spending money. Some people will work better with actually making a budget and telling themselves that they only have that much money to spend on this certain category. This to me is to restrictive and so I like to just make the decision to buy something or not based on how much I have already spent for the month. This may seem like a simple thing to do, but it is hard to be dedicated to doing it and it has a huge impact on how much you actually spend.

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