See r/mintuit if you want to know more from Reddit, or direct site. Basically does an automatic version of manually copying your bank statements into a XL file and writing your own formula. You can use it for free and it has ability to connect to all your accounts and track transactions, budget, as well as basic goals. Just since you're new, I'll make a small plug for Intuit's Mint budgeting platform. Using Excel to track bank balances, any templates?

If you aren't good at tracking your expenses, apps like Mint can do it for you. This will help you see where the money is going, and also draw up a realistic budget going forward. But one thing worth doing in parallel, is to start tracking your expenses. Others have already mentioned good advice on handling debt. I looked at a demo a while back and thought it looked pretty good. What are the best budgeting apps? Or what do you use to budget your money? Their categorisation isn't always accurate, but I found it to be decent. It might be worth taking a look at something like Intuit's Mint, as they'll automatically pull in and categorise your purchases for you, and then you can see if your 'subscription' charges are higher than you thought they would be. Fine line between autopay and not paying late fees?.

Intuit quicken 2018 price comparison