You Need A Budget is a great online service to help you manage your budget. Not only will it help you get all your bank and credit card expenses in one place, but it will help you create a buffer or reserve so that you are not always living on the edge. You can start a 7-day free trial to try it out or you can purchase this for $59.95.
Another good option for budgeting is Mint.com. This is a free service to help you budget and manage all your transactions. It is not as involved as a You Need A Budget but is great for a beginner.
The great benefits of using either You Need A Budget or Mint.com is that you will have all your finances in one place. You can see what your overall balance is, how much you owe on credit cards, what your balances are, and more. It is a lot easier to decide if you can go out to dinner or pick up that pair of shoes if you know how much money you have left in your dining or clothing budget. You can't follow a budget if you don't know how much you can spend. Using a program that you can access anytime will really help.
Sign up now so that you can complete the first step of Taking Control Of Your Finances