The WILLS and the WILL NOTS

[itisMeC]

I say get a budget account - the add up all your bills and either have the bank transfer the money or do it yourself. the money left on your other account is what you have left to spend on yourself.

[moneytv]

Yep; spend less than you earn, best way to get out of debt; the problem is although people know what they earn, they don't know what they spend. You need to track your spending AS you ARE spending; that makes and keeps you LIQUID. Don't settle for those financial apps that only allow you to look in the rear-view mirror; you need to look through the windshield.