Great post newlifeabdo,

A couple of additional points.

• Anyone new to financial​ planning, try to keep it as simple as possible. You don't need fancy programs that are confusing and hard to learn. Just keep up with your bills, payments and how much money you​ spend.
• Make sure you track ​all your purchases and account for them.
• Watch out for bills you might have forgotten​ about. Things like yearly memberships. These bills can sneak​​k up on you and blow your budget.
  @tincanjunction

G