1. Create a financial calendar
Financial calendars are usually associated with companies, but you can also benefit from your own financial calendar as an individual. While the best time to have created a financial calendar was at the beginning of the year, the next best time is now. A financial calendar is map of income and expenses, forecasting where you expect everything to go every month. It is a great planning tool to help you budget every month, and at the end of the year, you will be able to use it to review exactly where your money goes and adjust accordingly. You can create a calendar for yourself by downloading a template from www.dollarbird.com or use an app like Fudget or Mint to track your budget.