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 2 months 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 / 19 days ago
There's an awesome product/website called "YouNeedABudget," commonly referred to as YNAB. - Source: Reddit / 2 days ago
I love the budgeting software YNAB (youneedabudget.com). They have a program to give it away for free for one year if you can show you are a student. After that it has an annual fee, but if you follow their process, you will easily save that amount. In any case, you can use their inspirational learning materials on their website and youtube for free to learn about how to make your budget reflect your priorities... - Source: Reddit / 1 day ago
Mint - Free personal finance software to assist you to manage your money, financial planning, and budget planning tools. Achieve your financial goals with Mint.
Kittysplit - The easiest way of sharing costs with a group of friends
GnuCash - A personal and small-business financial-accounting software, licensed under GNU/GPL and available for Linux, Windows, Mac OS X, BSD, and Solaris.
Splitwise - Splitwise is a free tool for friends and roommates to track bills and other shared expenses, so that everyone gets paid back. On the web, iPhone, and Android!
HomeBank - HomeBank is a free software. Use it to manage your personal accounts. It is designed to easy to use.
SplittyPie - Create event, add users and their expenses.