You don't need fancy software, just a spreadsheet Just sit down and analyze all your outgoing finances versus income, figure out the average of what you spend

You don't need fancy software, just a spreadsheet Just sit down and analyze all your outgoing finances versus income, figure out the average of what you spend per sector per month, figure out where the big purchases are/were/going to be, and then draw some plots. You will clearly see where the money is going, and be able to know how much extra you can spend over time periods.