… simple I use an app called Rocket Money, or formerly Truebill, if where your country’s location, I live here in Europe so I’m using Hiatus, the smart way to manage your bills and can just put in all your bank accounts and credit cards, and then you can see all of your expenses in one place which is really important you start to see all your income all the expenses you can look through and then at the end of the month I take about five minutes and just look through all of my expenses all of my bills and ask did my bills and consider whether these actually add value to my life.