I budget. I was using an excel spreadsheet to do everything then this new year I tried YNAB as suggested by @ek I used it for a month and thought this app is very confusing and takes too much time to get everything started. I almost gave up on it but I found it every useful to track how and where my money goes. The budgeting feature I’m still lost on how to use but it’s great for tracking expenses and then running reports.