If you want to lose weight you keep track of what you are eating. Same goes if you want to save money. Keeping a budget is one of the most important steps of personal finance because you finally realize that you are the last person that gets a peice of your paycheck. After rent, taxes, groceries, bills, Netflix, you may only have a small, if any, ammount of money left over to save or invest. 50% of Americans keep a budget and there are some great apps that automatically do it for you like MINT. I personally use Daily Budget Original in the app store becasue it makes you manually list everything you spend money on and it becomes more realistic. Saving money can end up saving you!