budgeting 101 ..

stop using cash – use a debit card for your purchases so you can track them

next step – make a budget – from the bank statements to figure out where your money is going exactly

make a list of mandatory and discretionary expenses

have an emergency fund – savings plan for the unexpected

make saving a habit – save money everyday and put it into a savings account

also save for other goals – like a vacation , retirement or a new car