Budgeting 101

I've learned over time through trial and error that it is important to be your own CFO and CEO of your finances and if you are not capable hire someone to assist or seek advice. For the longest if you asked how my money was spent in a month I would most likely be able to account for 80% and wouldn't have included items I purchased on my credit card. I work on a cash system now and this causes me to put a lot more thought in what I purchase. I log bills and pay them on time, I keep track of spending and created a budget for all of my living expenses. A lot of what I do is on paper or my phone, but there are many options. The key isn't creating a budget, that is the easy part. The struggle and most important thing is sticking to a budget you create. Managing how money is spent is vital with a business and bookkeepers and accountants help with this but note your personal finances are your business and you are responsible for it's success or failures. Sometimes outside help can do wonders and for as little as $100. It's not about how much you make and more about how much you keep. 

Here are some links I use or friends recommended as helpful if you are looking for some budgeting tools, here you go :)

https://www.mint.com/ - A great phone, tablet, or PC tool

http://www.kiplinger.com/tools/budget/ - If you are looking for something on the low tech side this is a good start

https://play.google.com/store/apps/details?id=com.mapeapps.budgettracker- An android app that is pretty straight forward and easy to use.

There are many others I certainly recommend doing a search to find something that suits your personal needs.