Making lists goes hand in hand with budgeting. Sometimes it’s not about how much you’re spending, but what you’re spending that money on. Lists help you keep track of that kind of detail.  Most people know how much they spend on groceries or gas a month, but how much do you spend at restaurants or on new clothes? Or how can you save a few dollars here or there to buy the stuff you really want?

Here are some of my favorite money-saving apps:

Mint.com – This website organizes all your accouts into one easy to view site. It has a savings tool, which allows you create a saving goal and lets you know if you’re on track to meet your goal. They also have a budgeting tool that tracks all your expenses and puts them into categories. It’s a free, easy to use service.

If you’re worried about security Mint has recently introduced a two-step verification process so your login is more secure. Read more