The trick is to figure out a way to track your finances that works for you. Identify the amount of money that you have coming in. Track your spending. These are regular monthly bills such as rent or mortgage, utilities, car payments and so on. It may help to keep a spreadsheet of expenses.  It’s important that you review your budget on a regular basis to be sure you are staying on track.  Make sure your spending reflects your goals and values. Aim for sticking to your budget most of the time, and you’re bound to reach your financial goals.