There you have it! You have now created a budgeting tool to kickstart your budget. Off course, there are many different forms of budgeting tools. We personally use YNAB, but there is nothing wrong with doing things the old school way with pen and paper, or with using an Excel sheet. The important thing is that you continually use your budgeting tool to keep track of your earnings, and more importantly, your spending. For days when you are feeling lazy, think back to the beginning of this course when we listed your why, your reason for starting this journey. Know that with a little maintenance and by forming good habits, you can finally start telling your money where to go.