You need a free money management tool
There are a couple of things which are very important to improve your financial health. One of these things is that you know and take care about the flow of your money. You need to know where money is coming in and where it goes to.1. WRITE it down
It is VERY important to write down your flow of money. It doesn't matter whether you know what you are spending or not, it doesn't matter whether you think you have everything under control or not - YOU NEED TO WRITE IT DOWN AND TRACK IT!
2. Start SIMPLE
There are a lot of tools for money management available but the important part is not the tool itself. The important part is that you can start as soon as possible and handling is as easy as possible.
There are extremely powerful tools available but at the end of the day it is about your money and not about the complexity of the tool. Therefore you should take an easy to use money management tool and you should start for FREE! - if you want to spend some money later on it's fine but it should not be the first step.
3. Do it NOW
There is no reason to wait for whatever. If you want to get your finances under control and improve your financial health you need to START NOW!