Keep an Eye on Your Money with Software Like Mint Use a program like Mint to automatically keep track of your Income & Expenses. Chart your income, which includes any money coming your way each month, and compare it with your expenses, which include bills, rent, lifestyle expenses and taxes taken out of your paycheck, as well as any other costs. Also, start keeping track of how much your current assets are generating for you each month as well as how much your liabilities are taking away. This will help you gauge what you can afford to cut out from your life in order to start widening the gap (in a good way) between your income and expenses.