<prompt> Human: This seems like an odd question. Im a recent graduate who just accepted my first post-graduation career job. Ive sat down and created a budget based on what my salary will be - Im happy to add this information if its helpful. But I realized, while Ive written down a budget, I have no idea how to actually manage money. Ive always had two bank accounts - one that paid the bills while in school money from grants and scholarships and one that was money I earned from some part time work that I did whatever I wanted with whenever I wanted to. I honestly never really thought about either other than checking to make sure I had enough to cover my purchases. I guess what Im asking is other than having a budget how do you actually manage your money? Any useful tips, tricks, ideas, storiesexamples of what you do, tools etc would be very much appreciated.  <response>: You probably dont need the complication of multiple bank accounts, other than having a checking and savings.Lots of people do spreadsheets. Im a HUGE fan of rynab personally for the philosophy as much as the software. Even if you dont use their tool, their ideas about budgeting are useful to start out.Anyway, for me, I use ynab to split my bank account into categories for different expenses. I track my expenditures religiously, making sure that each purchase comes out of its proper category. If I overspend, I move money from another category, all the while never spending more than I have. 