Hi all,

just looking for some advice to help use our money more wisely. DP works F/T, and i work P/T, and between us we make a reasonable income, however come the end of the month we are allllways struggling to make it to the next pay check.... i just don't understand how we can start to properly save for a house of our own at this rate, we're basically just living pay to pay.... frustrating!

anyway multiple times I've tried to make my own spreadsheet to try to pinpoint where our spending goes but it sort of become redundant after a couple of months.... SO was wondering is anyone has tried an actual program that you could download, that electrically manages ur spending etc.

Thanks a lot!