As soon as you will start to respect money then they will answer you with full reciprocity and will start to respect you! I recommend to begin adjustment of the financial life with this elementary action (respect for money). For this purpose it is necessary to fix to (write down) each movement of the money – to you in a purse and from it. 
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The scrupulous accounting (fixing) of each movement of your personal (family) finance is one of the most important elements of financial literacy. This simple action with guarantee will result you in your financial wellbeing.
However very few people decides to take this step – even those who heard more than once (read) about this elementary rule of the handling of money.
There is a lot of Inactivity reasons:
– elementary forgetfulness – people simply forget to write down to (consider) the expenses and the income;
– desire to "seem" rich – I that, the beggar on a church porch, collecting alms trifle?
– shyness – to someone it is very difficult (it is a shame, it is uncomfortable) publicly to count money or to do records about the expenses;
– banal laziness behind which Misunderstanding of importance of fixing of each movement of money hides.
This situation is illustrated well by a remark from the film "Forcing":
– You are a millionaire, and all are rummaged, a trifle collect.
– Well, I want to remain a millionaire.
And one more reason: «eyes run up, I do not know what to choose» – it is so possible to treat a question which inevitably arises when maintaining the accounting of the cash flows.
The question consists in the technical moment – how to choose the program according to the accounting of personal finance? All look for the simple and clear interface, a good functional, it is desirable with installation on any device.
My answer is simple: use any convenient way (habitual) for you!
I recommend to use the most usual EXEL for a start:
Step 1 – create the table with several columns;
Step 2 – fix-write down large categories of expenses (a food, education, clothes, utility and household costs, transport, entertainments, etc.);
Step 3 – enter formulas (for example, the sum of expenses in a month).
At desire, (or on the gadget) you will find a large quantity of various programs-applications in the Internet to maintaining the accounting of personal (family) finance. Choose any, they a little than differ from each other on a functional!
Not important as you do it, it is important that you do it on a constant basis.
I will finish this material a reminder, what pluses are born by performance of this rule of financial literacy – «to keep account the personal finance»:
You start to respect money (instead of to wave away from them).
You get used to show care and attention to financial questions on a constant basis, without reflecting at all on it, at level of automatic reflexes habits.
You accurately see and understand, from where to you money (sources of the income) and where they leave from you (the main items of expenditure come: constant and spontaneous).
You train the commitment (thereby considerably accelerating the movement to financial freedom).
You are proud of yourselves (for one more taken the first step to the Dream).
What you still would add in this list?
P.S. Maintaining the accounting of personal finance is only one of 50 steps which will help you to raise level of the welfare. Begin movement, will be farther simpler…