![]() Review your spending habits at least once a week to look for patterns and make adjustments to your budget as needed. Here’s our list of the best budgeting apps. There are many ways to record your transactions, from a simple Google Sheets spreadsheet to budgeting apps like Mint and YNAB (You Need a Budget). The only way to hold yourself accountable is to track your spending over time. (If you need some ideas, refer to Team Clark’s guides to help you make more money and save more money.) 4. “Get your expenses under control, free up some money and then the options start to become more clear about what you do with the money that you’ve managed not to spend.” Don’t overwhelm yourself and look at trying to do everything all at once,” Clark says. “You start where you start and you do building blocks.
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