I just created an Excel sheet. I list my monthly net income, and from there subtract the reoccuring bills. Then I break down the rest into catagories like gas, food, going out, shit for the house and things like that. After a few months of tracking my usual spending, I created a budget for each item. I would input my receipts daily and once I near my budget, I slow down the spending. It helped me save a lot. But I know my spending pretty well now and dont use anything.