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First, make a budget. Then write down your goals and budget for them. Look at the videos on youneedabudget.com. You don't have to buy ynab, but the videos will help alot. Click on learn to budget. - Source: Reddit / about 1 month ago
You still need to keep a budget. 2 hours a month + 10 minutes a day is way more time than needed, though. I recommend https://youneedabudget.com to keep track and automate some things. I tend to log 5 minutes a day and 15 a month at this point. There is a subscription fee, but many find that the method and software saves them more than the cost annually, and your time has a cost too, especially with twins. - Source: Reddit / 12 days ago
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