I'm looking to improve my personal financial management and would love to hear what strategies or methods people here use to keep their finances in check. I've been tracking my expenses for a while but feel like I could be more organized or strategic about it. How do you budget effectively? Do you use any specific apps or tools that you've found helpful? And what are some tips for setting and achieving financial goals like saving for emergencies or retirement planning? I'm interested in hearing about any frameworks or habits that have worked for you. Thanks!
