I just really love using the Goodbudget googleplay android app. I use the virtual envelopes as suggested in the total money makeover by Dave Ramsey. I have been using now for last four months. I'm making allot of progress. I'm also doing the 52 money challenge as well and tucking it into a christmas club account for now. I'm planning on opening an american express savings as well this year. I'm working now on building a 3-6 months of income for expenses extending my emergency fund. This has been much progress for me. Bills have always been on time, but I like to be ahead of the game.