"As someone who's very nerd-minded, whenever I see a lot of cross-platform stuff when I get bonus material on either side, then it makes me want to dive deeper, sort of like tearing apart the different pieces of the pie."

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To get started, track your expenses for a couple of months. Then you should be able to start filling in your estimated debits and deposits for the next few months. Once you get it rolling for a while, you will be able to see your budget for the upcoming months reflected in the estimated totals. You can even notice year-to-year trends, like bonuses, tax bills, etc. that come up routinely and it will help you budget accordingly.

— Michelle Singletary