<prompt> Human: So, as the title says, I am 41 years old and I suck with personal finances. This is frustrating to me because I am pretty good at everything else in life, but I have always screwed up our finances and this remains to be the only fight my wife and I ever have. Here is a little background. 41 yo manager, married with 2 kids. My wife is a private school teacher part time. I make the bulk of our income at 72K a year. My wife brings in about 15K a year. Despite this, we never seem to have too much disposable income. We dont spend a lot of money frivolously, and I always look for the best deal on everything I buy. I recently had to buy a new car old one was 15 years old, original owner and I shopped for almost a year for it. I am not going to go into details about my exact finances, as I am not looking to be analyzed, I am just asking those of you that are good with money, what makes you good? How do you find it in your finances to save? What methods, programs, tips, tricks do you utilize to stay ahead? And finally, for all those PF elitists that want to comment about how stupid I am, and cut me down even further, please dont. I am an intelligent person, just not with money, and I know that. Thank you for reading and helping!  <response>: You need a budget. Try looking into budgeting methods and software to help you, but you can do a zero-based budget with your wife using a yellow pad or an excel spreadsheet. Try checking out the software and budgeting method called YNAB You Need a Budget. I think it can help you. rYNAB 