I would recommend using Mint or YNAB to help you build a budget. I’ve used both and they are great for tracking finances. However, if you’re really skeptical about keeping track of your money these days then definitely use free apps like Excel to do this. This will allow you to make changes as needed, even months after the start of the year even! You can write down anything you want because it all stays in the spread sheet regardless of how often people switch banks, investments change value, etc…
If your motives for financial planning are not clear-visioned (like mine!), what is it that motivates you? Do you just hope someday soon to figure out where your money goes?
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