After my divorce, learning how to pay bills, have a social life and being kind of low income I struggled for years, fell into some credit card issues which taught me life lessons. Fast forward 20 years my daughter helped me set up a budget spreadsheet and I started reading Dave Ramsay's Financial Freedom book. Although I didn't follow it to a T, it was helpful. I then discovered YouTube and watched every budget video out there. Along the way I discovered Rachel Cruze and Sinking funds which I incorporated onto my spreadsheet, setting up my fifth bank account specifically for that...it's one of the best, most helpful things I've done for myself!