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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
First thing first you need to know where every dollar of your money is going. Tools like YNAB or Mint can help you track your spending. Then you need to setup a realistic and balanced budget. If you can't get the budget to balance then you have to cut spending or increase income until it does. - Source: Reddit / 28 days ago
You should also start a budget through something like Mint. - Source: Reddit / 27 days ago
The biggest thing though is budget. You can use any app really, but Mint is a good one. - Source: Reddit / 27 days ago
Budgeting will help immensely if you don’t do so already...any app would help, but Mint seems to be solid. - Source: Reddit / 15 days ago
For those who don't know, Mint is a income/expense tracking website that helps you budget and see your entire financial life in one place. https://mint.intuit.com/. - Source: Reddit / 14 days ago
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HomeBank - HomeBank is a free software. Use it to manage your personal accounts. It is designed to easy to use.
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Money Manager Ex - Money Manager Ex is a free, open-source, cross-platform, easy-to-use personal finance software.
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Buxfer - Online tools for personal finance, budgeting, and bill reminders. Split bills and IOUs with friends and roommates.