El otro da escuch la concha de tu madre en 3 D , me caus mucha gracia . <| sep |> I don ' t like it , but that ' s what everyone in my peer group at the time referred to those bands as . <| sep |> Mint is a free appwebsite i ' ve used with my wife for a few years that automatically tracks all your spending for you . You create budget ' areas ' and assign your spending and over a few months it automatically assigns things mostly correct . It also has an app that you can look at whenever you ' re unsure how much you have left for the month . This is a really overly simplistic way of saying this , but just over save before purchasing to cover unexpected costs . Set up an account for your emergency fund and have a significant amount of savings in it for any emergencies health wise or house wise . I don ' t know all the details , but the general answer is just prepare for the worst financially .