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 / 10 days 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.
WieBetaaltWat - With WieBetaaltWat you can manage a list with your shared expenses.