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say what gets measured gets improved so if youre looking to improve your personal finances one of the first steps you should be taking is to track all of your income and expenses as well as your assets and liabilities such as your bank accounts credit cards and any outstanding loans you might have by understanding your finances you can better understand where you spend your money create a budget for yourself and make sure youre on the right track for success its never too late to get started so if you want to get organized set up a budget track your income and expenses and be able to reconcile it to your bank accounts ill go over a simple spreadsheet you can build in google sheets or excel to help you track all of this now there are many different apps available that can help you track your finances and even directly connect to your bank account and credit card accounts you can research those if youre interested but i found those apps to make things a little bit more complex since