Money is a big topic, and I’m not going to try and give one size fits all advice on a public blog! However, I will say that I personally use mint.com to organize my finances and budget. It’s not a perfect tool, but it’s pretty darn close. I can check on how I’m doing with my budget in real time, coordinate multiple accounts, track spending over time, and set long term saving goals. Pretty great!
I know not everyone is comfortable doing things digitally. But if you already participate in digital finances like online bill pay, joining Mint.com is a good step towards financial responsibility.