So in order to plan and be responsible for your money, you need to be able to track it well, right?
The easy answer is financial software. I’ve used Quicken for many years, and WOW! does it simplify the process. You can really follow where you money goes, and it doesn’t take that much effort.
But you’re in seminary and you’re poor. You don’t have cash to spend to manage your cash. Well, as it turns out, you don’t have to run out and buy the latest version of Quicken or MS Money. There are free alternatives!
For the full list, pop over to Zen Habits.