What you need:
- Online access to your bank accounts
- A spreadsheet or piece of paper
- Online budget tools or apps (optional)
If you want get your finances on track this year, you are going to have to confront what to some people is a bit of a dirty word: Your budget.
But don't worry, it will not be as boring as you might think. It's vital that you know how much money you have coming in each month, and where it is going. You might be surprised at how many people are totally clueless about the workings of their bank accounts – even people who spend their days managing the finances of a business.
But if you do not have a clear idea of where your money is going, you have next to no hope of ever getting a handle on it.
from
http://www.stuff.co.nz/business/money/100017199/Simple-tips-to-sort-your-budget-for-2018-its-easier-than-you-think
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